Data · July 2026 data · 15-month trend
Kansas Flood Insurance Costs
Flood insurance policies newly written or renewed in Kansas during July 2026 carried an average premium of $983. That puts the state roughly in line with the national average of $986. Costs have risen 5.8% year over year. 672 policies were written or renewed statewide that month; Cherokee County was the priciest county at $4,734 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 — July 2026
- Average premium
- $983
- Avg total cost (with fees)
- $1,295
- Change (year over year)
- +5.8%
- vs national average
- -0.2%
- Policies written or renewed
- 672
- Counties reporting
- 58
Kansas trend, last 15 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 | $1,030 | $1,351 | 648 | |
| June 2025 | $1,002 | $1,322 | 732 | |
| July 2025 | $929 | $1,246 | 724 | |
| August 2025 | $1,020 | $1,341 | 635 | |
| September 2025 | $1,075 | $1,405 | 564 | |
| October 2025 | $971 | $1,276 | 545 | |
| November 2025 | $994 | $1,320 | 472 | |
| December 2025 | $978 | $1,298 | 459 | |
| January 2026 | $1,038 | $1,389 | 427 | |
| February 2026 | $1,047 | $1,376 | 423 | |
| March 2026 | $1,119 | $1,473 | 579 | |
| April 2026 | $1,015 | $1,329 | 610 | |
| May 2026 | $1,060 | $1,389 | 628 | |
| June 2026 | $1,008 | $1,329 | 689 | |
| July 2026 | $983 | $1,295 | 672 |
County breakdown — July 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 |
|---|---|---|---|---|
| Cherokee County | $4,734 | $5,883 | 1 | |
| Anderson County | $2,427 | $3,161 | 1 | |
| Atchison County | $2,359 | $3,081 | 3 | |
| Washington County | $1,880 | $2,515 | 1 | |
| Wyandotte County | $1,755 | $2,335 | 14 | |
| Pottawatomie County | $1,549 | $1,964 | 14 | |
| Coffey County | $1,442 | $1,773 | 2 | |
| Butler County | $1,415 | $1,813 | 19 | |
| Dickinson County | $1,351 | $1,704 | 6 | |
| Ness County | $1,347 | $1,661 | 1 | |
| Montgomery County | $1,315 | $1,669 | 10 | |
| Jefferson County | $1,315 | $1,698 | 6 | |
| Sumner County | $1,283 | $1,638 | 13 | |
| Ellsworth County | $1,230 | $1,748 | 1 | |
| Shawnee County | $1,178 | $1,503 | 60 | |
| Sedgwick County | $1,140 | $1,452 | 89 | |
| Jackson County | $1,126 | $1,401 | 1 | |
| Neosho County | $1,123 | $1,422 | 9 | |
| Crawford County | $982 | $1,231 | 3 | |
| Harvey County | $981 | $1,274 | 20 | |
| Ford County | $949 | $1,267 | 3 | |
| Lyon County | $948 | $1,191 | 5 | |
| Chase County | $939 | $1,315 | 5 | |
| Ottawa County | $939 | $1,180 | 4 | |
| Leavenworth County | $922 | $1,208 | 14 | |
| Ellis County | $922 | $1,263 | 13 | |
| Johnson County | $894 | $1,173 | 79 | |
| Douglas County | $866 | $1,179 | 48 | |
| Rice County | $855 | $1,157 | 6 | |
| Doniphan County | $846 | $1,192 | 22 | |
| Saline County | $839 | $1,134 | 25 | |
| Edwards County | $835 | $1,057 | 5 | |
| Wilson County | $828 | $1,049 | 5 | |
| Miami County | $785 | $999 | 2 | |
| Clay County | $778 | $989 | 4 | |
| Riley County | $738 | $1,006 | 47 | |
| Osage County | $736 | $941 | 6 | |
| Kingman County | $708 | $907 | 7 | |
| Reno County | $688 | $968 | 24 | |
| Allen County | $685 | $880 | 5 | |
| Labette County | $679 | $949 | 9 | |
| Pawnee County | $678 | $1,022 | 3 | |
| Scott County | $652 | $841 | 1 | |
| Finney County | $645 | $878 | 5 | |
| Barton County | $631 | $862 | 5 | |
| Cowley County | $630 | $861 | 5 | |
| Linn County | $582 | $759 | 1 | |
| McPherson County | $582 | $783 | 9 | |
| Kearny County | $522 | $688 | 1 | |
| Geary County | $520 | $878 | 21 | |
| Franklin County | $504 | $667 | 1 | |
| Harper County | $502 | $889 | 1 | |
| Rush County | $499 | $661 | 2 | |
| Pratt County | $460 | $615 | 1 | |
| Sherman County | $399 | $543 | 1 | |
| Norton County | $388 | $530 | 1 | |
| Seward County | $347 | $706 | 1 | |
| Cheyenne County | $274 | $395 | 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 (NFIP Redacted Policies v3).
"Kansas Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/kansas
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.