Kansas Flood Zones
Kansas faces flooding from the Kansas, Missouri, Arkansas, and Republican rivers, as well as flash flooding from severe thunderstorms. The Great Flood of 1951 remains one of the most destructive floods in U.S. history, affecting communities throughout eastern Kansas.
2 of 105 Kansas counties are rated high or very high for inland flood risk by FEMA's National Risk Index. 41 communities participate in FEMA's Community Rating System, qualifying residents for flood insurance discounts of up to 25%.
Kansas Flood Risk Overview
County-level risk ratings from FEMA's National Risk Index across 105 Kansas counties.
Inland Flood Risk
2 of 105 counties rated high or very high
Hurricane Risk
0 of 19 counties rated high or very high
Source: FEMA National Risk Index, county-level assessment.
Federal Flood Disaster History
Kansas has received 14 federal disaster declarations for flooding, hurricanes, severe storms, and coastal storms.
2010s
2
2000s
1
1990s
1
1980s
2
1970s
5
1960s
1
1950s
2
Recent Declarations
Showing 8 most recent of 14 total declarations.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims
Kansas properties have filed 7,847 NFIP flood insurance claims totaling $113.7M in payouts since 1978. The average claim payout is $14K.
Claims by Decade
2020s
238
2010s
1,269
2000s
1,430
1990s
2,683
1980s
1,851
1970s
376
Highest-Claim Years
Claims by Flood Zone
Zone A
3,153
Zone X
2,310
Zone AE
1,294
Zone AH
131
Zone AO
65
Zone AOB
10
Zone D
6
Zone AHB
1
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Flood Insurance Discounts in Kansas
41 Kansas communities participate in FEMA's Community Rating System (CRS), earning flood insurance premium discounts for residents in Special Flood Hazard Areas. CRS classes in Kansas range from 5 to 9, with discounts from 5% to 25%.
Lenexa
Class 5 - 25% discount
Shawnee
Class 6 - 20% discount
Manhattan
Class 6 - 20% discount
Class 6 - 20% discount
Class 7 - 15% discount
Lansing
Class 7 - 15% discount
Independence
Class 7 - 15% discount
Pratt
Class 7 - 15% discount
Derby
Class 7 - 15% discount
Valley Center
Class 7 - 15% discount
Bonner Springs
Class 7 - 15% discount
Arkansas City
Class 8 - 10% discount
+29 more Kansas communities participate in CRS.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Look Up Any Kansas Address
Enter a KS address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Free Flood Zone LookupKansas Cities
Explore flood zone information for major cities in Kansas.
Kansas Flood Zone FAQ
How do I check if my Kansas property is in a flood zone?
Enter your KS address in FludZone's free lookup tool. We query FEMA's National Flood Hazard Layer in real-time to show your flood zone designation, whether flood insurance is required, and your property's risk level.
Do I need flood insurance in Kansas?
If your Kansas property is in a Special Flood Hazard Area (SFHA), meaning zones starting with A or V, and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not subject to the federal mandate but lenders may still require coverage, and it is often recommended given Kansas's flood history.
What are the most common flood zones in Kansas?
The most common FEMA flood zone designations in Kansas are Zone AE, Zone A, Zone X. Each zone reflects a different level of flood risk, from high-risk areas where flood insurance is generally required for federally regulated or government-backed mortgages to lower-risk areas where coverage is optional but recommended.
Can I remove my Kansas property from a flood zone?
Yes, if your Kansas property's natural ground elevation was always above the Base Flood Elevation and FEMA inadvertently mapped it in the SFHA, you can apply for a Letter of Map Amendment (LOMA) through FEMA. For properties in Kansas's AE and A zones, the LOMA process is relatively straightforward when the elevation data supports it. If your property was raised above the BFE with fill, the process is a LOMR-F. A successful LOMA generally removes the federal mandatory flood insurance requirement, but your lender may still choose to require coverage. You'll need an elevation certificate from a licensed surveyor.
Do any Kansas communities offer flood insurance discounts?
Yes, 41 Kansas communities participate in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for exceeding minimum flood mitigation standards. Residents in participating communities can receive NFIP premium discounts of up to 25% in the Special Flood Hazard Area. Properties outside the SFHA also benefit: CRS classes 1 through 6 receive a 10% discount, and classes 7 through 9 receive a 5% discount on NFIP premiums. Check your city's page on FludZone to see if your community participates.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026
Understanding Flood Zones
Learn more about the FEMA flood zone designations common in Kansas.