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.
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In Kansas, the average cost of flood insurance is $1,058 per year.
The county with the lowest cost of flood insurance in Kansas is Phillips County, at around $389 per year.
Cherokee County has had the most flooding events in Kansas since 1996.
Average Cost of Flood Insurance in Kansas
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.
Average Cost of Flood Insurance by County in Kansas
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.
Kansas Flood Insurance Cost Per County
Companies That Offer Flood Insurance in Kansas
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.
Private Flood Insurance Providers in KS and Their Contact Numbers
Aon Private Flood
Hiscox - FloodPlus
FloodSimple Insurance Services
Zurich Insurance Group
Private Market Flood
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.
NFIP-Participating Flood Insurance Providers in State and Their Contact Numbers
Allstate Insurance Company
American Family Mutual Ins. Co
American Nat. Prop. & Casualty
American Strategic Ins. Corp.
Auto Owners Insurance Co.
Refer to the Agent locator
Farmers Insurance Group
Hartford Fire Insurance Co.
Hartford Underwriters Ins. Co.
Liberty Mutual Fire Insurance Company
National General Insurance Co
NFIP Direct Servicing Agent
NGM Insurance Company
Occidental Fire & Casualty
Pacific Specialty Insurance Company
Philadelphia Indemnity Ins. Co
(877) 672-7945 ext. 8295
QBE Insurance Corporation
Selective Ins. Co. Of America
USAA General Indemnity Company
(210) 531-USAA (8722)
Westfield Insurance Company
Wright National Flood Ins. Co.
How to Purchase Flood Insurance and Its Coverage Requirements
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.
What Does Flood Insurance Cover in Kansas?
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.
A “flood” only refers to the water damage caused by a weather event or nature. Flood insurance won’t cover the cost of leaking pipes or broken appliances.
Some items and structures that aren’t covered by flood insurance include cash, paperwork, items in your basement, vehicles, swimming pools, patios and landscaping.
Flood Insurance Building Coverage
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
Flood Insurance Contents Coverage
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:
- Electronic equipment
- Washers and dryers
Factors That Affect Flood Insurance Costs in Kansas
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.
Risk Rating 2.0
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
- 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.
With the introduction of Risk Rating 2.0, the level of flood risk is determined by several factors and is unique to your home. However, those who live in a moderate or high-risk flood zone may still pay higher premiums compared to those who live in a low-risk flood zone.
The cost of flood insurance can vary depending on the level of coverage you want, such as basic coverage or comprehensive coverage. Costs are also impacted by your state of residence and the county you live in.
Paying a higher deductible can lower the overall cost of your premium. Deductibles can range between $1,000 and $10,000, but this is the amount you will need to pay when you file a flood-related claim.
Age of Structure
If you live in a newer home, you may have to pay less for insurance compared to people who live in an older structure due to the difference in build quality.
Other factors that can impact the cost of your flood insurance coverage are your home's design and the materials it is made of.
Do You Need 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.
Frequently Asked Questions About Kansas Flood Insurance
If you still have questions about flood insurance in Kansas, MoneyGeek answers some of the most commonly asked questions.
About Mark Fitzpatrick