Storm/Flood Insurance

Storm and Flood Insurance

Living in Kansas brings with it the threat of damaging winds, pelting hail, or roaring floodwaters, causing hundreds of millions of dollars of damage to property across the state. Insurance offers financial protection against storm damage, but you need the proper insurance in the right amounts.
All too often the Kansas Insurance Department finds that consumers failed to make proper insurance arrangements for themselves or their property before a storm hits.
The information found here can help you understand the storm coverage you need before the storm and what to do to protect your interests after the storm if you must file a claim.
The Insurance Commissioner encourages you to contact the Consumer Assistance Division if you have any questions or need additional information. Please call the toll-free Consumer Hotline at 1-800-432-2484.

General Information

Federal Flood Insurance

Auto Policy

  • Check your auto policy. Comprehensive coverage (other than collision) pays if a storm or flood damages your car.
  • See the Kansas Insurance Department’s Auto Insurance page for more details.

Homeowners/Renters Insurance

  • Check your coverage. Not all policies cover these expenses:
    • water and windstorm damage
    • debris or tree removal
    • sever back-up due to flooding
    • sump pump failure
    • additional living expenses if a disaster forces you from your home
  • Check limits, including contents coverage. See the Department’s Home & Renters Insurance page for more details.