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Welcome to Kansas Insurance Department

Kansas Insurance Commissioner
Vicki Schmidt

  • Kansas Insurance Department
  • 420 SW 9th Street
  • Topeka, Kansas 66612-1678
  • Consumer Hotline: 800-432-2484 (KS only)
  • Email Us | Phone: 785-296-3071

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                  Office of the
     Kansas Securities Commissioner
A division of the Insurance Department

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Storm/Flood Insurance

Living in Kansas brings with it the threat of damaging winds, pelting hail, or roaring flood waters, 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

  • Before and After the Storm (pdf), advice for Kansas insurance consumers from the Kansas Insurance Commissioner.
  • Kansas Estimated Storm Losses
  • Disaster Recovery Playbook created in response to Hurricane Katrina and the tornado in Joplin, MO by Farmers Insurance Company as part of the St. Bernard project.
    This link is being provided as a convenience and for informational purposes only; it does not constitute an endorsement or an approval by the Kansas Insurance Department.. The Kansas Insurance Department bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links. Contact the external site for answers to questions regarding its content.

Federal Flood Insurance

Auto Policy

  • Check your auto policy. Comprehensive coverage (other than collision) pays if a storm or flood damages your car.
  • See KID's Auto Insurance section 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 disaster forces you from your home
  • Check limits, including contents coverage. See KID's Home Insurance section for more details.