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Flood insurance cost · Jackson County, MO

Flood insurance cost in Jackson County, Missouri

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 498 home policies in force on August 31, 2026.

Jackson County, MissouriPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,106a year

Half of insured homes paid between $731 and $1,490. That is about the same as the Missouri median ($1,103). Most insured homes here are rated in zone AE (54%).

$0$731 · $1,106 · $1,490$1,862
+8.8% vs Aug 31, 2025 (median $1,017)
498home policies in force
$1,278average cost (mean)
63%of insured homes in high-risk zones (A, V)
$214,500median 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 Jackson 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		$1,320$966–$1,816$1,569271 (54%)+12.9%
Zone A
High risk		$1,056$872–$1,426$1,16244 (9%)+11.0%
Zone X
Moderate to low risk		$748$493–$1,204$865182 (37%)−0.8%

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 Jackson County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home455$1,101$1,281
2–4 unit building25$1,239$1,511
Condo or apartment unit16$881$876
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.		24$3,666$4,280
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		324$3,056$3,687

Not shown (fewer than 10 policies): manufactured (mobile) home.

846NFIP policies in force, any building
893insured units (condo association policies count every unit)
67%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Jackson 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 force507498−1.8%
Median annual cost$1,017$1,106+8.8%
Average annual cost$1,188$1,278+7.6%
All policies in force (any building)871846−2.9%

How many homes have flood insurance?

0.2%of all homes in Jackson County have an NFIP policy
31.1%of homes in high-risk zones (special flood hazard area) have one
245,732residential buildings counted by FEMA
1,068of 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 Jackson County, Missouri have filed 2,124 flood claims. 1,670 received a payment, for a total of $45.8 million (an average of $27,439 per paid claim). The year with the most claims was 1982 (449 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 70 claims, 61 paid, $228,294 in total19801981: 59 claims, 44 paid, $127,011 in total1982: 449 claims, 405 paid, $3,656,681 in total19821983: 77 claims, 60 paid, $745,293 in total1984: 127 claims, 93 paid, $1,988,233 in total1985: 22 claims1986: 74 claims, 53 paid, $834,666 in total1990: 212 claims, 163 paid, $8,953,154 in total199019901993: 197 claims, 140 paid, $5,288,124 in total19931994: 13 claims, 10 paid, $237,826 in total1995: 82 claims, 66 paid, $1,070,930 in total1998: 195 claims, 163 paid, $8,210,056 in total1999: 44 claims, 30 paid, $444,195 in total20002001: 34 claims, 26 paid, $273,713 in total2002: 17 claims, 13 paid, $64,934 in total2004: 68 claims, 49 paid, $346,060 in total2007: 27 claims, 25 paid, $287,927 in total2008: 22 claims, 17 paid, $1,536,691 in total2010: 33 claims, 28 paid, $1,240,043 in total20102013: 16 claims, 12 paid, $246,194 in total2015: 13 claims2016: 17 claims, 13 paid, $859,930 in total2017: 106 claims, 89 paid, $5,506,267 in total2018: 24 claims, 17 paid, $1,148,346 in total2019: 21 claims, 17 paid, $902,992 in total2020: 11 claims20202025: 16 claims, 12 paid, $598,594 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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251612$598,594$49,883
202011<10––
20192117$902,992$53,117
20182417$1,148,346$67,550
201710689$5,506,267$61,868
20161713$859,930$66,148
201513<10––
20131612$246,194$20,516
20103328$1,240,043$44,287
20082217$1,536,691$90,394
20072725$287,927$11,517
20046849$346,060$7,062
20021713$64,934$4,995
20013426$273,713$10,527
19994430$444,195$14,806
1998195163$8,210,056$50,368
19958266$1,070,930$16,226
19941310$237,826$23,783
1993197140$5,288,124$37,772
1990212163$8,953,154$54,927
19867453$834,666$15,748
198522<10––
198412793$1,988,233$21,379
19837760$745,293$12,422
1982449405$3,656,681$9,029
19815944$127,011$2,887
19797061$228,294$3,743

From 2016 to 2026: 195 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

Kansas City (167 home policies) · Independence (147 home policies) · Lee's Summit (80 home policies) · Unincorporated Jackson County (24 home policies) · Grain Valley (17 home policies) · Blue Springs (14 home policies)