Flood insurance cost · Shawnee County, KS

Flood insurance cost in Shawnee County, Kansas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 687 home policies in force on August 31, 2026.

Shawnee County, KansasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,306a year

Half of insured homes paid between $962 and $1,614. That is 25% more than the Kansas median ($1,045). Most insured homes here are rated in zone AE (70%).

$0$962 · $1,306 · $1,614$2,018

+10.6% vs Aug 31, 2025 (median $1,181)

687home policies in force

$1,342average cost (mean)

79%of insured homes in high-risk zones (A, V)

$150,000median 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 Shawnee 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,384	$1,022–$1,686	$1,414	484 (70%)	+11.3%
Zone A High risk	$1,499	$1,068–$1,834	$1,540	55 (8%)	+19.5%
Zone X Moderate to low risk	$1,102	$740–$1,362	$1,038	146 (21%)	+7.9%

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

Type of building	Policies	Median	Average
Single-family home	612	$1,344	$1,363
Condo or apartment unit	68	$1,203	$1,148
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.	28	$4,697	$4,568
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	60	$2,263	$3,191

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

775NFIP policies in force, any building

775insured units (condo association policies count every unit)

73%of home policies also cover contents

$60,000median contents coverage, when bought

One year on: Shawnee 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, 2025	Aug 31, 2026	Change
Home policies in force	725	687	−5.2%
Median annual cost	$1,181	$1,306	+10.6%
Average annual cost	$1,218	$1,342	+10.2%
All policies in force (any building)	820	775	−5.5%

How many homes have flood insurance?

1.1%of all homes in Shawnee County have an NFIP policy

24.0%of homes in high-risk zones (special flood hazard area) have one

67,038residential buildings counted by FEMA

2,370of 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 Shawnee County, Kansas have filed 368 flood claims. 280 received a payment, for a total of $3,994,173 (an average of $14,265 per paid claim). The year with the most claims was 2005 (74 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2026	18	15	$374,086	$24,939
2020	23	20	$152,381	$7,619
2016	11	<10	–	–
2015	36	28	$277,121	$9,897
2007	68	60	$1,426,722	$23,779
2005	74	65	$1,117,190	$17,188
1993	27	19	$180,594	$9,505
1987	17	<10	–	–
1982	35	31	$198,747	$6,411

From 2016 to 2026: 52 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

Topeka (460 home policies) · Unincorporated Shawnee County (131 home policies) · Rossville (80 home policies) · Silver Lake (16 home policies)