Home insurance costs & natural hazards in Kansas
Plain facts for Kansas homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Kansas at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Kansas pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Kansas ZIP code saw homeowners premiums of $2,289 per policy in 2022, 48% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 5% between 2018 and 2022. The figures come from 414 Kansas ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 5,069 single-family NFIP policies took effect in Kansas in 2025, at an average full cost of $1,118, compared with $937 in 2022. About 67% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Kansas's 105 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, drought and winter weather. Open any county for its full hazard profile.
Hazards across Kansas's counties
Kansas counties
All 105 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Allen County | $1,765 | $1,316 | Very Low |
| Anderson County | $2,057 | — | Very Low |
| Atchison County | $2,090 | $1,627 | Very Low |
| Barber County | $2,523 | — | Very Low |
| Barton County | $2,590 | $796 | Relatively Low |
| Bourbon County | $2,147 | $1,290 | Very Low |
| Brown County | $1,929 | — | Very Low |
| Butler County | $2,680 | $1,302 | Relatively Low |
| Chase County | $2,253 | $1,253 | Very Low |
| Chautauqua County | $2,294 | — | Very Low |
| Cherokee County | $2,102 | $1,206 | Relatively Low |
| Cheyenne County | $2,110 | — | Very Low |
| Clark County | $2,460 | — | Very Low |
| Clay County | $2,111 | $1,130 | Very Low |
| Cloud County | $1,913 | $845 | Very Low |
| Coffey County | $2,233 | $1,676 | Very Low |
| Comanche County | $2,291 | — | Very Low |
| Cowley County | $2,369 | $914 | Relatively Low |
| Crawford County | $2,062 | $1,347 | Relatively Low |
| Decatur County | $2,049 | — | Very Low |
| Dickinson County | $2,246 | $1,088 | Relatively Low |
| Doniphan County | $2,034 | $900 | Very Low |
| Douglas County | $2,297 | $1,058 | Relatively Low |
| Edwards County | $2,498 | $923 | Very Low |
| Elk County | $2,417 | — | Very Low |
| Ellis County | $2,244 | $1,032 | Very Low |
| Ellsworth County | $2,094 | $1,113 | Very Low |
| Finney County | $2,489 | $857 | Relatively Low |
| Ford County | $2,430 | $1,121 | Relatively Low |
| Franklin County | $2,253 | $1,421 | Relatively Low |
| Geary County | $2,262 | $985 | Very Low |
| Gove County | $2,130 | — | Very Low |
| Graham County | $2,324 | — | Very Low |
| Grant County | $2,674 | — | Very Low |
| Gray County | $2,799 | — | Very Low |
| Greeley County | $2,270 | — | Very Low |
| Greenwood County | $1,882 | — | Very Low |
| Hamilton County | $2,137 | — | Very Low |
| Harper County | $2,486 | $877 | Very Low |
| Harvey County | $2,386 | $1,153 | Very Low |
| Haskell County | $2,560 | — | Very Low |
| Hodgeman County | $2,475 | — | Very Low |
| Jackson County | $2,136 | — | Very Low |
| Jefferson County | $2,282 | $1,394 | Very Low |
| Jewell County | $1,891 | — | Very Low |
| Johnson County | $2,486 | $1,159 | Relatively High |
| Kearny County | $2,263 | — | Very Low |
| Kingman County | $2,316 | $1,108 | Very Low |
| Kiowa County | $2,500 | — | Very Low |
| Labette County | $1,912 | $1,130 | Relatively Low |
| Lane County | $2,181 | — | Very Low |
| Leavenworth County | $2,419 | $1,051 | Relatively Low |
| Lincoln County | $2,384 | — | Very Low |
| Linn County | $2,074 | $1,131 | Very Low |
| Logan County | $2,284 | — | Very Low |
| Lyon County | $2,181 | $1,079 | Relatively Low |
| Marion County | $1,937 | $963 | Very Low |
| Marshall County | $2,247 | — | Very Low |
| McPherson County | $2,334 | $1,036 | Very Low |
| Meade County | $2,658 | — | Very Low |
| Miami County | $2,358 | $1,333 | Relatively Low |
| Mitchell County | $1,953 | — | Very Low |
| Montgomery County | $2,238 | $1,054 | Relatively Low |
| Morris County | $2,099 | — | Very Low |
| Morton County | $2,102 | — | Very Low |
| Nemaha County | $1,930 | — | Very Low |
| Neosho County | $2,062 | $1,281 | Very Low |
| Ness County | $2,431 | — | Very Low |
| Norton County | $2,411 | — | Very Low |
| Osage County | $2,202 | $1,034 | Very Low |
| Osborne County | $2,034 | — | Very Low |
| Ottawa County | $2,673 | $877 | Very Low |
| Pawnee County | $2,253 | $867 | Very Low |
| Phillips County | $2,367 | — | Very Low |
| Pottawatomie County | $2,293 | $922 | Very Low |
| Pratt County | $2,602 | $800 | Relatively Low |
| Rawlins County | $1,987 | — | Very Low |
| Reno County | $2,402 | $880 | Relatively Low |
| Republic County | $2,018 | $1,504 | Very Low |
| Rice County | $2,188 | $1,057 | Very Low |
| Riley County | $2,190 | $834 | Relatively Low |
| Rooks County | $2,633 | — | Very Low |
| Rush County | $2,345 | — | Very Low |
| Russell County | $2,494 | — | Very Low |
| Saline County | $2,410 | $964 | Relatively Low |
| Scott County | $2,353 | — | Relatively Low |
| Sedgwick County | $2,754 | $1,194 | Relatively High |
| Seward County | $2,539 | $548 | Very Low |
| Shawnee County | $2,214 | $1,289 | Relatively Moderate |
| Sheridan County | $2,615 | — | Very Low |
| Sherman County | $2,423 | — | Very Low |
| Smith County | $2,363 | — | Very Low |
| Stafford County | $2,534 | — | Very Low |
| Stanton County | $2,673 | — | Very Low |
| Stevens County | $2,773 | — | Very Low |
| Sumner County | $2,352 | $1,241 | Relatively Low |
| Thomas County | $2,258 | — | Very Low |
| Trego County | $2,232 | — | Very Low |
| Wabaunsee County | $2,354 | $1,462 | Very Low |
| Wallace County | $2,262 | — | Very Low |
| Washington County | $2,110 | — | Very Low |
| Wichita County | $2,207 | — | Very Low |
| Wilson County | $1,959 | $1,120 | Very Low |
| Woodson County | $1,923 | — | Very Low |
| Wyandotte County | $1,996 | $1,059 | Relatively Moderate |
ZIP codes with the most flood policies
Practical next steps
Simple things Kansas homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, 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). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.