Data · May 2026 data · 13-month trend
Kansas Flood Insurance Costs
Flood insurance policies newly written or renewed in Kansas during May 2026 carried an average premium of $1,026. That runs +4.5% above the national average of $982. Costs have fallen 0.5% year over year. 599 policies were written or renewed statewide that month; Atchison County was the priciest county at $3,673 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $1,026
- Avg total cost (with fees)
- $1,345
- Change (year over year)
- -0.5%
- vs national average
- +4.5%
- Policies written or renewed
- 599
- Counties reporting
- 61
Kansas trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,031 | $1,352 | 647 | |
| June 2025 | $1,002 | $1,323 | 732 | |
| July 2025 | $926 | $1,242 | 723 | |
| August 2025 | $1,020 | $1,341 | 635 | |
| September 2025 | $1,076 | $1,406 | 563 | |
| October 2025 | $971 | $1,276 | 544 | |
| November 2025 | $990 | $1,316 | 471 | |
| December 2025 | $977 | $1,298 | 459 | |
| January 2026 | $1,035 | $1,386 | 426 | |
| February 2026 | $1,047 | $1,377 | 423 | |
| March 2026 | $1,119 | $1,473 | 579 | |
| April 2026 | $1,014 | $1,327 | 609 | |
| May 2026 | $1,026 | $1,345 | 599 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Atchison County | $3,673 | $4,631 | 1 | |
| Wyandotte County | $2,507 | $3,184 | 19 | |
| Wabaunsee County | $1,966 | $2,392 | 1 | |
| Jackson County | $1,903 | $2,317 | 2 | |
| Geary County | $1,637 | $2,154 | 3 | |
| Allen County | $1,463 | $1,889 | 10 | |
| Neosho County | $1,454 | $1,788 | 5 | |
| Jefferson County | $1,342 | $1,656 | 5 | |
| Crawford County | $1,288 | $1,620 | 8 | |
| Harper County | $1,264 | $1,564 | 1 | |
| Bourbon County | $1,231 | $1,750 | 1 | |
| Gray County | $1,206 | $1,495 | 1 | |
| Sumner County | $1,178 | $1,524 | 11 | |
| Shawnee County | $1,177 | $1,489 | 71 | |
| Kingman County | $1,174 | $1,570 | 2 | |
| Ellsworth County | $1,152 | $1,431 | 1 | |
| Osage County | $1,138 | $1,415 | 1 | |
| Butler County | $1,112 | $1,430 | 10 | |
| Saline County | $1,105 | $1,468 | 27 | |
| Elk County | $1,098 | $1,368 | 1 | |
| Montgomery County | $1,088 | $1,454 | 16 | |
| Pottawatomie County | $1,067 | $1,369 | 6 | |
| Clay County | $1,055 | $1,373 | 4 | |
| Lyon County | $1,048 | $1,309 | 2 | |
| McPherson County | $1,045 | $1,337 | 14 | |
| Johnson County | $1,031 | $1,331 | 66 | |
| Sedgwick County | $985 | $1,296 | 87 | |
| Leavenworth County | $976 | $1,255 | 14 | |
| Douglas County | $967 | $1,304 | 25 | |
| Linn County | $940 | $1,181 | 2 | |
| Miami County | $897 | $1,310 | 5 | |
| Ellis County | $892 | $1,181 | 12 | |
| Doniphan County | $879 | $1,110 | 3 | |
| Ottawa County | $866 | $1,139 | 5 | |
| Anderson County | $862 | $1,089 | 2 | |
| Chase County | $861 | $1,088 | 1 | |
| Franklin County | $822 | $1,042 | 3 | |
| Ford County | $822 | $1,106 | 7 | |
| Scott County | $819 | $1,038 | 1 | |
| Reno County | $805 | $1,080 | 23 | |
| Labette County | $802 | $1,019 | 3 | |
| Republic County | $782 | $995 | 1 | |
| Riley County | $779 | $1,053 | 44 | |
| Barton County | $701 | $899 | 6 | |
| Cherokee County | $678 | $984 | 6 | |
| Finney County | $676 | $870 | 2 | |
| Seward County | $645 | $1,009 | 9 | |
| FIPS 20000 | $634 | $820 | 1 | |
| Harvey County | $548 | $803 | 8 | |
| Wilson County | $543 | $825 | 2 | |
| Dickinson County | $536 | $817 | 10 | |
| Russell County | $495 | $656 | 1 | |
| Cowley County | $490 | $695 | 5 | |
| Rice County | $486 | $645 | 2 | |
| Thomas County | $465 | $801 | 10 | |
| Cloud County | $421 | $569 | 2 | |
| Brown County | $348 | $483 | 1 | |
| Pawnee County | $322 | $526 | 3 | |
| Lincoln County | $308 | $661 | 2 | |
| Rush County | $289 | $413 | 1 | |
| Pratt County | $286 | $409 | 1 |
Use this data
Download Kansas CSV (kansas.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Kansas Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/kansas
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.