How Much Is Flood Insurance in Kansas? Average Flood Insurance Cost and Coverage

In the event of a flood, homeowners and renters insurance doesn’t typically provide coverage. Purchasing flood insurance can help cover the cost of flood-related damage to your home. The cost of flood insurance for your property depends on several factors, including your location, the number of floors you have, building location and ground elevation.

Since Kansas has several high-risk flood zones, it’s a good idea to consult your local flood map from the Federal Emergency Management Agency (FEMA) to assess your level of risk. Those who live in a moderate-risk or high-risk flood zone should strongly consider purchasing flood insurance for greater peace of mind.

TABLE OF CONTENTS

• Cost of Flood Insurance in Kansas
• Flood Insurance Companies in Kansas
• Flood Insurance Coverage
• Flood Insurance Cost Factors in Kansas
• Do You Need Flood Insurance?
• Kansas Flood Insurance FAQs

MoneyGeek found that the average flood insurance cost in Kansas is $1,058 per year. This can vary depending on where you live since your state and county may have varying flood-prone areas. In addition, your individual property risks can also determine the cost of insurance. Those who live in areas with more moderate-risk or high-risk flood zones may pay higher premiums.

The average flood insurance cost in Kansas is higher than the national average because it's more flood-prone compared to other states.

MoneyGeek found that the county with the highest flood insurance cost in Kansas is Kingman County, at approximately $3,128 yearly. The county with the lowest premiums is Phillips County, at around $389 annually.

You can review the table below to see the cost of flood insurance by county.

You can purchase flood insurance from the NFIP or a private company. A private company can be more convenient for households that are not part of an NFIP community or that find NFIP coverage insufficient.

Private providers offer base policies that provide standard coverage similar to what the NFIP offers. If you want supplemental coverage, you can choose an excess policy that provides additional protection.

You can get flood insurance from NFIP’s partner insurance companies. For your reference, you can look up the contact details of various NFIP-participating insurance providers below.

There are no special requirements for purchasing flood insurance. Just call the NFIP Hotline (877-336-2627) or contact your home insurance agent. You can also work with a different flood insurance provider.

It’s a good idea to purchase coverage as soon as possible. While the NFIP has a 30-day waiting period, private insurance companies in Kansas can have a 10-day waiting period. To verify any waiting periods, contact your provider.

Flood insurance coverage generally includes the structure of the insured building along with its contents. Remember that even an inch of water can cost $25,000 in damages.

Some items and structures that aren’t covered by flood insurance include cash, paperwork, items in your basement, vehicles, swimming pools, patios and landscaping.

As part of your flood insurance, building coverage can cover the cost of repairing or replacing the physical parts of your home in the event of damage. Through the NFIP, you buy up to $250,000 worth of coverage.

Some things that flood insurance building coverage can help protect include:

• Foundation walls
• Electrical systems
• Plumbing systems
• Furnaces, central heating and air conditioning
• Built-in appliances
• Permanent carpets
• Built-in furniture

Contents coverage can cover the cost of repair or replacement for any personal belongings in your home after a flood. Through the NFIP, you can buy up to $100,000 worth of coverage.

Some items that flood insurance contents coverage can help pay for include:

• Clothing
• Furniture
• Electronic equipment
• Washers and dryers
• Artwork

Before October 2021, the sole factor that affected the cost of flood insurance was your physical location on the flood map. FEMA’s website displays the historical flood risk of your state so you can check your risk level.

In Kansas, Cherokee County has the highest historical flood risk, experiencing 120 floods since 1996. Coverage in this county costs approximately $2,039 annually. This isn’t the highest premium in the state, likely because of the area’s size.

Haskell County has had eight floods since 1996, which is the fewest in the state. The annual premium in Haskell County is approximately $519.

In October 2021, FEMA’s Risk Rating 2.0 system was created to more effectively calculate flood insurance premiums. In addition to your location on the flood map, it also considers other factors like :

• Foundation type
• Dwelling structure
• Elevation
• Replacement and repair costs
• Frequency of flooding
• Proximity to bodies of water

The table below can help you better understand how these factors can impact the cost of flood insurance in Kansas.

Every property is vulnerable to floods, making flood insurance a wise thing to purchase. In fact, government-backed mortgages and lenders tend to require it to reduce risk. FEMA also recommends investing in flood insurance to provide extra protection.

Homeowners and renters insurance does not cover natural floods. Even though federal disaster assistance can cover up to $5,000 per household damage after a flood, insurance can provide more coverage. Plus, flood insurance will pay claims without a presidential disaster declaration and give you peace of mind.

If you still have questions about flood insurance in Kansas, MoneyGeek answers some of the most commonly asked questions.