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Flood insurance cost · KS

Flood insurance cost in Kansas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,165 home policies in force on August 31, 2026.

KansasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,045a year

Half of insured homes paid between $725 and $1,408. That is 3% less than the national median ($1,082). The most common flood zone for insured homes here is zone AE (47%).

$0$725 · $1,045 · $1,408$1,760
+5.3% vs Aug 31, 2025 (median $992)
5,165home policies in force
$1,160average cost (mean)
67%of insured homes in high-risk zones (A, V)
$176,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Kansas, county by county.

Cost by flood zone in Kansas

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,186$820–$1,612$1,3062,434 (47%)+7.0%
Zone A
High risk		$1,024$735–$1,551$1,218807 (16%)+4.7%
Zone AO
High risk, shallow		$788$645–$984$81826 (1%)+1.5%
Zone AH
High risk, shallow		$800$607–$1,101$903214 (4%)+2.7%
Zone X
Moderate to low risk		$937$614–$1,212$9591,683 (33%)+7.2%

Not shown (fewer than 10 home policies): VE, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Kansas, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home4,777$1,056$1,171
2–4 unit building120$1,112$1,144
Manufactured (mobile) home169$824$974
Condo or apartment unit99$808$973
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		164$1,790$2,663
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,026$1,486$2,316
6,355NFIP policies in force, any building
6,474insured units (condo association policies count every unit)
59%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Kansas

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force5,5425,165−6.8%
Median annual cost$992$1,045+5.3%
Average annual cost$1,080$1,160+7.4%
All policies in force (any building)6,7656,355−6.1%

Flood claims history

Since 1978, NFIP policyholders in Kansas have filed 7,901 flood claims. 6,002 received a payment, for a total of $116.8 million (an average of $19,458 per paid claim). The year with the most claims was 1993 (1,162 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 32 claims, 19 paid, $74,741 in total1979: 344 claims, 302 paid, $2,409,890 in total1980: 38 claims, 25 paid, $50,293 in total19801981: 539 claims, 463 paid, $2,363,371 in total1982: 275 claims, 233 paid, $1,507,146 in total1983: 187 claims, 140 paid, $916,431 in total1984: 225 claims, 138 paid, $1,059,277 in total1985: 153 claims, 97 paid, $654,468 in total1986: 213 claims, 164 paid, $2,505,503 in total1987: 120 claims, 62 paid, $618,099 in total1988: 12 claims1989: 89 claims, 51 paid, $520,965 in total1990: 78 claims, 45 paid, $362,191 in total19901991: 18 claims1992: 86 claims, 66 paid, $794,600 in total1993: 1,162 claims, 824 paid, $11,882,147 in total19931994: 104 claims, 88 paid, $1,038,607 in total1995: 216 claims, 140 paid, $1,809,608 in total1996: 110 claims, 72 paid, $718,825 in total1997: 110 claims, 74 paid, $1,168,167 in total1998: 665 claims, 552 paid, $18,345,225 in total19981999: 134 claims, 88 paid, $869,423 in total2000: 13 claims20002001: 69 claims, 46 paid, $669,179 in total2002: 22 claims, 13 paid, $80,669 in total2003: 73 claims, 53 paid, $700,242 in total2004: 84 claims, 71 paid, $1,603,819 in total2005: 204 claims, 177 paid, $3,296,842 in total2007: 646 claims, 529 paid, $17,112,947 in total20072008: 165 claims, 133 paid, $3,111,327 in total2009: 149 claims, 127 paid, $4,141,673 in total2010: 115 claims, 81 paid, $1,238,247 in total20102011: 128 claims, 103 paid, $2,455,317 in total2012: 42 claims, 16 paid, $221,943 in total2013: 111 claims, 82 paid, $1,464,730 in total2014: 29 claims, 19 paid, $250,186 in total2015: 122 claims, 85 paid, $1,417,893 in total2016: 163 claims, 132 paid, $4,280,169 in total2017: 162 claims, 127 paid, $4,227,069 in total2018: 91 claims, 77 paid, $5,635,144 in total2019: 306 claims, 246 paid, $5,700,085 in total2020: 43 claims, 34 paid, $376,861 in total20202021: 28 claims, 19 paid, $672,501 in total2022: 17 claims, 15 paid, $230,312 in total2024: 35 claims, 23 paid, $1,151,631 in total2025: 111 claims, 90 paid, $5,324,345 in total2026: 51 claims, 35 paid, $1,607,751 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (47)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20265135$1,607,751$45,936
202511190$5,324,345$59,159
20243523$1,151,631$50,071
20221715$230,312$15,354
20212819$672,501$35,395
20204334$376,861$11,084
2019306246$5,700,085$23,171
20189177$5,635,144$73,184
2017162127$4,227,069$33,284
2016163132$4,280,169$32,426
201512285$1,417,893$16,681
20142919$250,186$13,168
201311182$1,464,730$17,863
20124216$221,943$13,871
2011128103$2,455,317$23,838
201011581$1,238,247$15,287
2009149127$4,141,673$32,612
2008165133$3,111,327$23,393
2007646529$17,112,947$32,350
2005204177$3,296,842$18,626
20048471$1,603,819$22,589
20037353$700,242$13,212
20022213$80,669$6,205
20016946$669,179$14,547
200013<10––
199913488$869,423$9,880
1998665552$18,345,225$33,234
199711074$1,168,167$15,786
199611072$718,825$9,984
1995216140$1,809,608$12,926
199410488$1,038,607$11,802
19931,162824$11,882,147$14,420
19928666$794,600$12,039
199118<10––
19907845$362,191$8,049
19898951$520,965$10,215
198812<10––
198712062$618,099$9,969
1986213164$2,505,503$15,277
198515397$654,468$6,747
1984225138$1,059,277$7,676
1983187140$916,431$6,546
1982275233$1,507,146$6,468
1981539463$2,363,371$5,104
19803825$50,293$2,012
1979344302$2,409,890$7,980
19783219$74,741$3,934

From 2016 to 2026: 1,007 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Kansas

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Allen County55$953
Atchison County11$1,645
Barton County83$734
Chase County13$1,112
Cherokee County37$1,135
Clay County30$1,005
Cloud County14$688
Coffey County10$1,418
Cowley County43$813
Crawford County66$1,292
Dickinson County55$1,038
Doniphan County61$886
Edwards County45$854
Ellis County96$930
Ellsworth County16$1,101
Finney County24$826
Ford County42$990
Franklin County29$1,226
Geary County38$738
Harper County13$991
Jackson County10$1,273
Jefferson County48$1,368
Kingman County29$997
Labette County74$1,126
Linn County13$1,047
Lyon County34$930
Marion County11$649
McPherson County84$949
Miami County37$1,364
Montgomery County88$1,071
Neosho County63$1,068
Osage County19$979
Ottawa County39$778
Pawnee County21$686
Pottawatomie County87$944
Pratt County12$892
Republic County14$1,096
Rice County32$838
Seward County28$517
Thomas County11$769
Wabaunsee County20$1,278
Wilson County26$1,064
Wyandotte County56$1,038