7,847 flood insurance claims·$113.7M paid·6,474 policies in force
Shaded areas are FEMA’s mapped flood hazard zones in and around Kansas. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Kansas experiences a mixed flood risk profile dominated heavily by flash flooding, alongside standard riverine flood events. Over the past 30 years, NOAA data records 2,887 flash flood events resulting in 21 deaths, compared to 1,630 general flood events resulting in 11 deaths.
Recent federal disaster declarations underscore this ongoing hazard, highlighted by multiple severe storm, straight-line wind, and flooding declarations issued on July 17, 2025. These events demonstrate the persistent threat of severe weather and associated inundation across the state.
The National Flood Insurance Program claim mix reveals that property damage is not confined to high-risk areas. Zone A accounts for the vast majority of claims with 4,687 filings totaling $77 million paid out, indicating that properties in designated high-risk flood zones face the greatest financial exposure and need insurance most. However, significant claims occur outside these primary zones. Moderate-to-low risk areas, including categories X, unshaded X, and shaded X zones, collectively account for thousands of claims and tens of millions in payouts. This distribution shows that surprise claims happen frequently in areas outside traditional high-risk zones, making flood insurance a relevant consideration for properties across multiple risk categories.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.
Kansas has received 1,910 federal disaster declarations, including 186 flood and coastal storm declarations.
NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →
Properties in Kansas FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).
Kansas had 6,474 NFIP policies in force on August 31, 2026, and the average NFIP premium was $1,081 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.
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.
See the most flood-prone counties in Kansas →
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