Short answer: Sedgwick County's FEMA National Risk Index report ranks hazards for Wichita tracts. The Kansas FAIR Plan is the residual property market when voluntary writers will not take you. Keep lots maintained and carry Kansas-required auto liability.
This guide is general information for homeowners and drivers in the Wichita area (Sedgwick County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Sedgwick County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Sedgwick County
Open FEMA's National Risk Index and the Sedgwick County report.
Federal disaster declarations in Sedgwick County
Since 1965, Sedgwick County has been part of 13 federal major disaster declarations, according to FEMA's declarations summaries; by incident type the most common were severe storm events (7), flood events (3) and tornado events (2). The most recent: Severe Storms and Flooding, 2016, Severe Storms, Tornadoes, Straight-Line Winds, and Flooding, 2012, Severe Storms and Flooding, 2009 and Severe Winter Storms, 2008. FEMA also lists 3 emergency declarations for the county in the same data.
Wichita's flood maps and lender requirements
Wichita's FEMA 100-year floodplain map took effect December 22, 2016, and the city links to it from its floods page. The city warns that some flood determination firms only check whether any part of a lot is in the Special Flood Hazard Area, not whether the house itself is. If your lender requires flood insurance but the house is clearly outside the zone, first ask the lender what documentation they used. Then you can ask FEMA for a free "out as shown" Letter of Map Amendment.
Getting a LOMA
You can apply for a LOMA on paper using the MT-EZ form or through FEMA's Online LOMC. Include a FIRMette, a plat or parcel map, a signed and stamped deed, and an aerial photo showing the house and the flood zone. The city says FEMA usually decides in under 10 days, though it can take a month or more at busy times. Even after an approved LOMA, a lender can still require flood insurance if it sees risk. Wichita's page also covers grandfathering when maps change.
Residual market: Kansas FAIR Plan
The Kansas FAIR Plan (Kansas All-Industry Placement Facility) provides residual property coverage for responsible applicants unable to obtain voluntary-market insurance. Apply through a licensed Kansas producer under Plan rules.
Auto: Kansas liability, PIP and UM
The Kansas auto shopper's guide lists 25/50/25 liability, PIP with $4,500 per-person medical benefits and $25,000/$50,000 uninsured/underinsured motorist coverage.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Kansas.
Frequently asked questions
What is the Kansas FAIR Plan?
Residual property coverage via ksfairplan.com when voluntary markets will not write eligible risks.
Which NRI county covers Wichita?
Sedgwick County (20173).
Where do I confirm Kansas auto minimums?
Kansas Insurance Department / DMV publications.
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.