Kansas
flood insurance data
- Of the 5,854 owner registrations FEMA inspected in Kansas after disasters of every declared type, 11.1% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-1699, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2007-05-06), with 3,298.
- Kansas counts 48 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 4th most of 53 States and territories. Severe Storm declarations are the most frequent (45), ahead of Flood (2) and Hurricane (1).
- The median paid claim, $11,366, is 69.5% below the national median of the same years ($37,248), the 14th lowest of 51 States and territories.
- Residential NFIP policies counted by FEMA fell 34.6% between 2019 (8,596) and 2025 (5,620); the first year, 2019, has the highest count of the 7.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Kansas
NFIP premiums: what NFIP policyholders paid, not a quote. Across 5,620 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,030, and half of them fall between $716 (Q1) and $1,337 (Q3).
Inside the Special Flood Hazard Area (SFHA), the median premium in Kansas is $1,088, 19.2% higher than outside it ($913); most of its zoned policies sit inside the SFHA (67.2%). With 5,620 residential NFIP policies effective 2025, Kansas has the 14th fewest of 53 States and territories. Of the 4 zones listed (AE, X, A, AH), zone AE has the highest median premium ($1,148) and zone AH the lowest ($806). No coastal V or VE zone is listed.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 3,773 | $766 | $1,088 | $1,512 |
| Outside SFHA (X, B, C) | 1,845 | $635 | $913 | $1,174 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 2,661 | $810 | $1,148 | $1,556 |
| X | 1,845 | $635 | $913 | $1,174 |
| A | 852 | $704 | $1,001 | $1,440 |
| AH | 231 | $596 | $806 | $1,068 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 8,596 |
| 2020 | 7,775 |
| 2021 | 7,371 |
| 2022 | 6,736 |
| 2023 | 6,223 |
| 2024 | 5,972 |
| 2025 | 5,620 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 5,620 policies.
NFIP paid building claims in Kansas
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 755 paid claims; median $11,366, half of them between $4,173 (Q1) and $29,951 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $14,419, a monetary adjustment, not today’s cost of repair.
The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2019, holds 32.2% of them. With 755 paid claims (year of loss 2015-2024), Kansas has the 20th fewest of 53 States and territories.
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 85 |
| 2016 | 131 |
| 2017 | 125 |
| 2018 | 77 |
| 2019 | 243 |
| 2020 | 34 |
| 2021 | 19 |
| 2022 | 15 |
| 2023 | 3 |
| 2024 | 23 |
FEMA disaster declarations
Since 2000: 48 flood, hurricane and severe-storm declarations (DR and EM) covering Kansas, 44 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 2 |
| Hurricane | 1 |
| Severe Storm | 45 |
Latest declarations
- DR-4943: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2026-09-01)
- DR-4940: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2026-09-01)
- DR-4926: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2026-06-30)
- DR-4897: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING (Severe Storm, 2025-12-19)
- DR-4891: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2025-09-11)
FEMA assistance to homeowners
Since 2002: 5,854 owner registrations inspected by FEMA in Kansas after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 473 |
| $1-$10,000 | 4,030 |
| $10,001-$20,000 | 383 |
| $20,001-$30,000 | 319 |
| More than $30,000 | 649 |
Disasters with the most inspections
- DR-1699, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2007-05-06): 3,298 inspections
- DR-1711, SEVERE STORMS AND FLOODING (declared 2007-07-02): 2,050 inspections
- DR-1462, SEVERE STORMS, TORNADOES, AND FLOODING (declared 2003-05-06): 506 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 591 NFIP communities in Kansas: 483 participate in the NFIP and 50 (8.5%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Lenexa, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Kansas dates from 1974-11-22 (Mccracken, City of). 108 of these communities do not participate in the NFIP; 108 carry a sanction, 7 coded as a suspension and 3 as a withdrawal.
| CRS class | Communities |
|---|---|
| 5 | 1 |
| 6 | 3 |
| 7 | 9 |
| 8 | 15 |
| 9 | 16 |
| 10 | 6 |
Questions about flood insurance in Kansas
How much is flood insurance in Kansas?
NFIP policyholders in Kansas paid a median of $1,030 for residential policies effective 2025 (5,620 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $716 and $1,337; $1,088 inside the Special Flood Hazard Area against $913 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Kansas had?
755 NFIP building claims were paid (year of loss 2015-2024), with a median of $11,366; the year with the most was 2019 (243). These are amounts paid, not repair cost.
Is Kansas in a flood zone?
Of the residential NFIP policies of Kansas (policies effective 2025), 3,773 are rated inside the Special Flood Hazard Area and 1,845 outside it (zones listed: AE, X, A, AH), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).