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Flood insurance cost · Sedgwick County, KS

Flood insurance cost in Sedgwick County, Kansas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 819 home policies in force on August 31, 2026.

Sedgwick County, KansasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,175a year

Half of insured homes paid between $866 and $1,460. That is 12% more than the Kansas median ($1,045). Most insured homes here are rated in zone AE (54%).

$0$866 · $1,175 · $1,460$1,825
+10.6% vs Aug 31, 2025 (median $1,062)
819home policies in force
$1,266average cost (mean)
64%of insured homes in high-risk zones (A, V)
$208,000median 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.

Cost by flood zone in Sedgwick County

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		$1,298$984–$1,764$1,458439 (54%)+6.1%
Zone A
High risk		$1,106$881–$1,542$1,18727 (3%)+1.5%
Zone AH
High risk, shallow		$1,008$769–$1,254$1,02961 (7%)+5.7%
Zone X
Moderate to low risk		$998$731–$1,262$1,032291 (36%)+8.7%

Not shown (fewer than 10 home policies): VE, AO, 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 Sedgwick County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home775$1,178$1,273
2–4 unit building14$1,405$1,332
Manufactured (mobile) home22$1,137$1,126
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.		29$1,679$2,596
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		103$1,348$2,173

Not shown (fewer than 10 policies): condo or apartment unit.

951NFIP policies in force, any building
957insured units (condo association policies count every unit)
65%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Sedgwick County

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 force872819−6.1%
Median annual cost$1,062$1,175+10.6%
Average annual cost$1,162$1,266+9.0%
All policies in force (any building)999951−4.8%

How many homes have flood insurance?

0.4%of all homes in Sedgwick County have an NFIP policy
15.5%of homes in high-risk zones (special flood hazard area) have one
190,494residential buildings counted by FEMA
3,456of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Sedgwick County, Kansas have filed 991 flood claims. 675 received a payment, for a total of $14.7 million (an average of $21,771 per paid claim). The year with the most claims was 1998 (117 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 26 claims, 20 paid, $109,669 in total1980: 11 claims, 10 paid, $19,869 in total19801983: 44 claims, 30 paid, $289,489 in total1985: 25 claims, 21 paid, $128,552 in total1987: 39 claims, 24 paid, $391,879 in total1989: 21 claims19901993: 106 claims, 49 paid, $626,412 in total19931995: 74 claims, 44 paid, $678,207 in total1997: 72 claims, 52 paid, $868,318 in total1998: 117 claims, 98 paid, $3,205,652 in total19981999: 32 claims, 16 paid, $81,807 in total20002003: 24 claims, 15 paid, $345,811 in total2007: 22 claims, 12 paid, $66,265 in total2008: 85 claims, 71 paid, $1,822,237 in total20082009: 56 claims, 45 paid, $1,942,920 in total20102016: 66 claims, 53 paid, $1,094,400 in total2019: 39 claims, 32 paid, $458,580 in total20202025: 27 claims, 25 paid, $1,424,149 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252725$1,424,149$56,966
20193932$458,580$14,331
20166653$1,094,400$20,649
20095645$1,942,920$43,176
20088571$1,822,237$25,665
20072212$66,265$5,522
20032415$345,811$23,054
19993216$81,807$5,113
199811798$3,205,652$32,711
19977252$868,318$16,698
19957444$678,207$15,414
199310649$626,412$12,784
198921<10––
19873924$391,879$16,328
19852521$128,552$6,122
19834430$289,489$9,650
19801110$19,869$1,987
19792620$109,669$5,483

From 2016 to 2026: 132 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.

Main NFIP communities in the county

Wichita (511 home policies) · Unincorporated Sedgwick County (139 home policies) · Derby (55 home policies) · Valley Center (40 home policies) · Mulvane (28 home policies) · Haysville (11 home policies)