Kansas Flood Insurance

Find the Best Flood Insurance Rates and Companies in Kansas

Kansas is situated pretty far inland, so many people might not think the state is prone to flooding disasters. However, last summer, the cities of Tescott, Kansas City, and other areas of central Kansas faced serious flash flooding after 8-13 inches of rain fell. Since standard homeowners and business insurance policies don't cover natural flooding, having flood insurance is crucial. 

Luckily, a local independent insurance agent in Kansas can help you find the right kind of flood insurance for your home or business. They'll get you equipped with all the coverage you need to protect your property. But first, here's a closer look at Kansas flood insurance, what it covers, and why it's necessary. 

Key Takeaways - Kansas Flood Insurance

• Flood insurance in Kansas can pay for natural flood damage to a building's contents, structure, and foundation.
• The average cost of flood insurance in Kansas is $984 per year, or approximately $82 per month.
• Kansas flood insurance rates are a bit more expensive than the current national average of $899 per year, or approximately $75 per month.
• You might be required to have flood insurance in Kansas if your property is located in a high-risk flood area or if you have a mortgage.
• Working with a local independent insurance agent is strongly recommended, as they can tailor a policy to your unique property and coverage needs.

The Best Flood Insurance Companies in Kansas

A few different private insurance companies sell flood insurance in Kansas. These are our top picks for the best Kansas flood insurance coverage.

• REInsure Pro: This insurance company sells flood insurance, along with many other personal insurance products. REInsure Pro works with independent insurance agents and offers fast claims responses.
• Progressive: This insurance company also sells flood insurance, along with many additional personal and business insurance products. Progressive has an excellent financial strength rating from AM Best, offers many discounts, and provides 24/7/365 customer service.

A local Kansas independent insurance agent can help you compare flood insurance policies and rates from these carriers and others in your town. 

How to buy flood insurance in Kansas

Flood insurance in Kansas is available from FEMA's National Flood Insurance Program (NFIP) and from private insurance companies throughout the state. It might be easiest to work with a local independent insurance agent to find the right policy for your unique property. These agents have access to several flood insurance carriers, so they can shop and compare Kansas flood insurance quotes and coverage options for you.

Is Flood Insurance Required in Kansas? 

Sometimes, yes. You might be required to get flood insurance in Kansas if you have a property with a government-backed mortgage. Coverage can also be required for properties located in high-risk flood zones. Regardless of whether coverage is required, though, having flood insurance can help you avoid otherwise potentially catastrophic financial losses after a flood disaster. 

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What Does Flood Insurance Cover in Kansas?

In Kansas, flood insurance is designed to cover a building's contents, structure, and foundation. Kansas flood insurance provides the following types of protection. 

• Contents coverage: This covers natural flood damage to personal property and other contents stored inside an insured building, including the following:
  • Freezers and the food they contain
  • Clothes washers and dryers
  • Certain valuable items, such as original artwork and furs, up to $2,500
  • Carpets that are not included in building coverage
  • Clothing, furniture, and electronic equipment
  • Curtains
  • Portable and window air conditioners
  • Portable microwave ovens and portable dishwashers
• Buildings coverage: This covers natural flood damage to a building's structure, foundation, and:
  • Permanently installed cabinets, paneling, and bookcases
  • Refrigerators, cooking stoves, and built-in appliances like dishwashers
  • Electrical and plumbing systems
  • Fuel tanks, well water tanks and pumps, and solar energy equipment
  • Furnaces and water heaters
  • Window blinds
  • Foundation walls, anchorage systems, and staircases
  • Permanently installed carpeting
  • Detached garages

Working with a Kansas independent insurance agent is a great way to get equipped with all the flood insurance coverage you need in each category. 

What's Not Covered by Flood Insurance in Kansas? 

In Kansas, as in most places, flood insurance won't cover your vehicles against flood damage, so it's critical to ensure you have comprehensive coverage in your auto insurance policy. Further, flood insurance typically excludes all of the following:

• Currency, precious metals, and valuable papers such as stock certificates 
• Personal property kept in a basement
• Financial losses caused by business interruption or loss of use of the insured property
• Additional living expenses, such as temporary housing
• Preventable damage caused by moisture, mildew, or mold
• Property and belongings outside of the insured building, such as trees, plants, wells, septic systems, seawalls, hot tubs, swimming pools, walks, decks, patios, and fences 
• Flood damage caused by sewer line breaks or backups*

*Your independent insurance agent can help you add this protection to your Kansas home insurance policy with a sewer backup endorsement. 

How Much Does Flood Insurance Cost in Kansas?

Kansas flood insurance costs an average of $984 per year, or approximately $82 per month. So, how much is flood insurance in Kansas compared to the country as a whole? The current national average flood insurance rate is $899 per year, or approximately $75 per month, meaning property owners in Kansas pay slightly more than average. 

Local flood insurance rates are set by FEMA and the NFIP using the Kansas Flood Insurance Rate Map. Kansas flood insurance rates can also be impacted by the following factors:

• The deductible and amount of coverage you need
• Your home's flood zone designation
• The value of your home’s contents 
• The type of coverage you purchased
• Whether or not your home has a basement
• The location, design, building materials, and age of your home

Your independent insurance agent can help you find the most affordable flood insurance in Kansas City, KS, or wherever you reside. 

Kansas Flood Zones

For an accurate Kansas flood risk assessment, visit FEMA's official website. The following comprehensive and user-friendly documents are available for residents and property owners:

• Kansas flood zone maps
• Topeka, Kansas flood maps
• Kansas flood zone map PDFS
• Kansas flood plain maps

Your Kansas flood zone designation can affect the cost of your flood insurance policy. An independent insurance agent can help you find affordable flood insurance in Kansas. 

Kansas cities with the highest flood risk

Certain areas of Kansas are more prone to flooding events and damage than others. If you own property in any of these cities, be sure to get flood insurance right away:

1. Wichita
2. Haysville
3. Valley Center
4. Lewis

It's possible that flood insurance is actually required for properties located in these Kansas cities. An independent insurance agent can help you get the right coverage. 

The Best Flood Insurance Discounts in Kansas

You can get Kansas flood insurance discounts in a couple of different ways:

• From FEMA: Flood insurance discounts are sometimes offered for newly mapped properties and for those in communities that participate in the Community Rating System. Discounts range from 5% to 45%, determined by a property's classification.
• From private flood insurance companies: Depending on the carrier, various flood insurance discounts may be available, such as those for properties with flood-proofing measures or for individuals affiliated with certain organizations. 

An independent insurance agent in Kansas can help you find all the flood insurance discounts you qualify for. 

How to Apply for Flood Insurance in Kansas

There are three main avenues to get flood insurance coverage in Kansas:

1. Through FEMA's National Flood Insurance Program (NFIP)
2. From private flood insurance companies in Kansas
3. By working with local independent insurance agents in Kansas

Option three can provide you with the fastest, most efficient results. Local Kansas independent insurance agents know where to find the best flood insurance coverage at a great rate. 

How to File a Flood Insurance Claim in Kansas

Filing flood insurance claims in Kansas can be extremely simple once you understand the process. Follow these easy steps to file your Kansas flood insurance claim:

1. Contact your insurance company or agent: After a flood event, call your flood insurance carrier or independent insurance agent. They'll need your insurance information, such as your policy number.
2. Prepare for an inspection: Wait for officials to declare your property is safe for reentry after the flood. Then, prepare photo and video evidence, along with a detailed written report of all property damage for your insurance company. 
3. Work with your claims adjuster: Next, your carrier will schedule a home inspection visit from a claims adjuster to assess the damage. Your adjuster might be able to offer you a claim payout estimate during their assessment. 
4. Receive payment: You'll be issued your claim payout in either a direct deposit or a check sent in the mail. The amount you receive depends on your coverage terms and the extent of the damage. 

Your Kansas independent insurance agent can file a claim for you directly through your carrier. They can also update you through every step of the claims process and let you know when you can expect reimbursement. 

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FAQs About Kansas Flood Insurance