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Flood insurance cost · Kenosha County, WI

Flood insurance cost in Kenosha County, Wisconsin

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 198 home policies in force on August 31, 2026.

Kenosha County, WisconsinPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$766a year

Half of insured homes paid between $485 and $1,191. That is 18% less than the Wisconsin median ($936). Most insured homes here are rated in zone X (57%).

$0$485 · $766 · $1,191$1,489
−3.3% vs Aug 31, 2025 (median $792)
198home policies in force
$954average cost (mean)
43%of insured homes in high-risk zones (A, V)
$250,000median 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: 1 FEMA declaration · individual aid · IRS Nov 2, 2026. FEMA declarations and IRS tax relief in Kenosha County.

Cost by flood zone in Kenosha 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		$1,055$754–$1,593$1,28081 (41%)+5.8%
Zone X
Moderate to low risk		$596$426–$872$728112 (57%)−4.5%

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

Type of buildingPoliciesMedianAverage
Single-family home195$765$955
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		10$1,730$2,862

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

210NFIP policies in force, any building
215insured units (condo association policies count every unit)
75%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Kenosha 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 force190198+4.2%
Median annual cost$792$766−3.3%
Average annual cost$913$954+4.5%
All policies in force (any building)203210+3.4%

How many homes have flood insurance?

0.3%of all homes in Kenosha County have an NFIP policy
14.9%of homes in high-risk zones (special flood hazard area) have one
60,179residential buildings counted by FEMA
612of 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 Kenosha County, Wisconsin have filed 334 flood claims. 256 received a payment, for a total of $5,233,024 (an average of $20,442 per paid claim). The year with the most claims was 2017 (62 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801979: 15 claims, 10 paid, $30,041 in total198019901993: 17 claims, 11 paid, $56,448 in total1994: 16 claims, 14 paid, $74,595 in total1999: 10 claims2000: 16 claims, 13 paid, $152,067 in total20002004: 23 claims, 22 paid, $330,362 in total2007: 27 claims, 24 paid, $591,134 in total20072008: 34 claims, 28 paid, $448,246 in total20082009: 19 claims, 16 paid, $176,702 in total20102013: 17 claims, 12 paid, $134,339 in total2017: 62 claims, 57 paid, $2,336,802 in total20172019: 13 claims, 11 paid, $275,318 in total20202026: 13 claims, 11 paid, $390,022 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261311$390,022$35,457
20191311$275,318$25,029
20176257$2,336,802$40,997
20131712$134,339$11,195
20091916$176,702$11,044
20083428$448,246$16,009
20072724$591,134$24,631
20042322$330,362$15,016
20001613$152,067$11,697
199910<10––
19941614$74,595$5,328
19931711$56,448$5,132
19791510$30,041$3,004

From 2016 to 2026: 88 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

Unincorporated Kenosha County (48 home policies) · Pleasant Prairie (46 home policies) · Salem Lakes (45 home policies) · Kenosha (33 home policies)