Flood insurance in Kansas: cost by ZIP code and county
Only 4,946 Kansas homes carried a federal single-family flood policy on July 31, 2026; their median bill was $1,048.
Median single-family flood bill, Kansas
$1,048
4,946 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,142 |
| Policies still below their full-risk price | 40 % |
| Median paid in August 2023 | $840 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $5,710 |
| Median claim paid, 2016 to 2025 (634 claims) | $12,632 |
Compiled by Radif Partners · Where the numbers come from · 189 ZIP codes and 58 counties of Kansas in FEMA's tables · not a quote
Few Kansas homeowners buy flood insurance, and most who do live in a mapped high-risk area. On July 31, 2026, the federal program had 4,946 single-family policies in the state, with a median total bill of $1,048 a year (premium, Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee together). 67 % of those policies were in A zones, against 55 % nationwide, a far larger share than in the country as a whole. A-zone homes paid a median $1,116 and X-zone homes $935. Kansas bills are fairly close to full risk: the median full-risk bill is $1,142, and 40 % of policies still pay less than their full-risk premium. The exception is Shawnee County, which includes Topeka, where the median bill of $1,337 has a full-risk counterpart of $1,865. From 2016 to 2025, the program paid 634 single-family claims in Kansas, with a median of $12,632.
A thin market
With fewer policies than some single counties in other states, Kansas gives the county and ZIP tables below small samples, and a handful of policies can move a local median. The state figures are steadier. Spread over twelve months, the state median comes to $87, and most of the bill outside the premium is fixed: the $47 policy fee and the $25 surcharge apply whatever the risk.
The Kansas median bill per month and per thousand dollars of cover
The same bill per month
$87
| Per $1,000 of building coverage | $4.19 |
| National median, per month | $90 |
| National median, per year | $1,081 |
Wichita and Topeka
Sedgwick County, home to Wichita, has the largest book, 811 policies at a median of $1,160, and the most paid claims in the state over the decade, 108. Shawnee County follows with 628 policies but the highest median bill among the large counties. In FEMA's 2023 county table, Shawnee's median full-risk figure was $2,041 against $930 actually paid, and 59 % of its policies remain capped today. At 18 % a year for a main home, those bills keep rising for several more renewals.
Johnson, Riley and Douglas counties
Johnson County, which includes Overland Park and Olathe, has 493 policies at a median of $1,015 and is nearer full risk (31 % capped). Riley County, which includes most of Manhattan, has some of the lowest bills, $696 at the median, yet one of the larger median claims, $20,213. Douglas County, which includes Lawrence, shows a similar pairing: a $998 median bill and a $18,854 median claim.
A median Kansas claim in years of premium
Median single-family claim paid in Kansas, 2016 to 2025
$12,632
| Years of the bill entered that one median claim equals | 12 |
| Median claim, whole country | $42,494 |
| Average claim, whole country | $70,978 |
Claims without a headline storm
No single event paid enough Kansas claims from 2016 to 2025 to be listed on its own; the losses are spread over many smaller events. Butler County, which borders Sedgwick, stands out with a median paid claim of $27,154, more than double the state median. Outside A zones, 206 claims were paid on homes in X, B or C zones. The waiting period guide explains why a policy has to be in place 30 days before a flood, and the Missouri page covers Kansas City, Missouri.
The Kansas counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Sedgwick County | 811 | $1,160 | $1,279 | 47 % | 1 | $881 | $10,648 |
| Shawnee County | 628 | $1,337 | $1,865 | 59 % | 3 | $930 | $5,181 |
| Johnson County | 493 | $1,015 | $1,050 | 31 % | 1 | $804 | $12,201 |
| Riley County | 279 | $696 | $713 | 28 % | 1 | $689 | $20,213 |
| Douglas County | 240 | $998 | $1,052 | 39 % | 1 | $781 | $18,854 |
| Saline County | 166 | $964 | $1,008 | 32 % | 1 | $808 | n/a |
| Reno County | 176 | $791 | $801 | 26 % | 1 | $745 | $8,467 |
| Butler County | 163 | $1,204 | $1,301 | 38 % | 1 | $872 | $27,154 |
Full-risk prices of Kansas homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 2,402 | 42.0 % | $301,954 |
| $1,000 to $2,000 | 1,929 | 33.7 % | $337,812 |
| $2,000 to $3,000 | 672 | 11.8 % | $370,010 |
| $3,000 to $4,000 | 345 | 6.0 % | $401,184 |
| $4,000 to $5,000 | 178 | 3.1 % | $431,538 |
| $5,000 or more | 195 | 3.4 % |