Enter any Kansas address to see its FEMA flood zone designation
Kansas experiences a mixed flood risk, with flash floods being the most frequent event type over the last 30 years, accounting for 2887 occurrences and 21 associated deaths. General flood events are also significant, with 1630 recorded instances resulting in 11 fatalities.
Recent federal disaster declarations highlight severe storms, straight-line winds, and flooding as recurring issues impacting the state. While specific geographic areas are not detailed in the provided data, these declarations indicate a pattern of weather-related events that include significant flood components.
The distribution of National Flood Insurance Program (NFIP) claims suggests that properties designated as Zone A represent the largest portion of claims, with $62 million paid out. However, claims in Zone X and X_Unshaded, areas generally considered to have moderate flood risk, also represent substantial payouts, averaging over $15,000 per claim. This indicates that flood insurance may be advisable for residents in various flood zones, not exclusively those in high-risk areas.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Kansas has received 1,910 federal disaster declarations, including 186 flood and coastal storm declarations.
FEMA designates flood zones across Kansas using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Kansas FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Kansas is approximately $674 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Kansas residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
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