Risk Index · Sedgwick County · 2026-06-13
Wichita, KS real-estate risk
- Risk score
- 96.6/100
- Relatively High
- Expected annual loss
- $256M
- all hazards, county-wide
- Buildings-only loss
- $139M
- what owners and insurers carry
- Population
- 524K
- Sedgwick County
Wichita, KS (Sedgwick County) carries a FEMA National Risk Index score of 96.6/100, rated "Relatively High" and driven mainly by tornado and hail, with roughly $256M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado99.3
- Hail99
- Heat wave98.5
- Riverine flood96.1
- Wildfire94.4
- Strong wind87.9
- Earthquake75.2
- Drought63.6
- Hurricane42.7
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Wichita risk questions
Is Wichita, KS a high-risk area for real estate?
Wichita scores 96.6/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $256M per year.
What is the biggest natural hazard in Wichita?
The highest-rated hazard is tornado (99.3/100), followed by hail (99/100).
How does hazard risk affect property insurance in Wichita?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.