Short answer: Kansas property policies generally exclude flood. Check FEMA maps, then buy NFIP or private flood coverage. In Kansas the NFIP is administered by the Department of Agriculture's Division of Water Resources, whose Chief Engineer reviews and approves local floodplain ordinances before adoption.
This guide is general information for Kansas property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
Maps and coverage
Use FEMA's Flood Map Service Center. Quote through FloodSmart. Most new NFIP policies have a 30-day waiting period.
KDA Division of Water Resources
Per the Kansas Department of Agriculture, the NFIP in Kansas is administered by the Division of Water Resources. Incorporated cities and unincorporated county areas are separate NFIP entities that must each enact and enforce floodplain regulations. DWR staff help communities draft ordinances, and the DWR Chief Engineer reviews and approves local ordinances before local governing bodies adopt them. DWR also handles Community Rating System and Letter of Map Change information.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Kansas.
Frequently asked questions
Who administers the NFIP in Kansas?
The Kansas Department of Agriculture Division of Water Resources.
Who approves Kansas floodplain ordinances?
The DWR Chief Engineer reviews and approves them before local adoption.
Do Kansas homeowners policies cover flood?
Generally no. Buy NFIP or private flood coverage separately.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.