Know Your Flood Risk

Your Flood Risk May Have Changed

The State of Kansas, Federal Emergency Management Agency, Riley County, Pottawatomie County and the City of Manhattan have completed a multi-year project to study flood risks and develop an updated Flood Insurance Study (FIS) and Flood Insurance Rate Maps (FIRMs) for the area. The Manhattan City Commission adopted new floodplain regulations on Feb. 3, 2015, and the new FIRMs and FIS went into effect on March 16, 2015.

There are more than 350 properties protected by flood insurance in Manhattan, providing coverage for $86 million worth of property, as of August 2013. More than $3 million in losses have been paid since the City joined the National Flood Insurance Program (NFIP) in 1984.

Changes to the flood risk — both positive and negative — have occurred throughout the community. Learn more based on your situation as a Homeowner, Renter, Realtor/Lender or Insurance Agent.

Understanding the Changes

The last time Manhattan received a new flood model was in 2005. As the community grows, the topography of the land changes, as does the amount of rainwater absorbed into the ground or that runs off into a stream or river. The more rainwater that runs off toward streams and rivers, rather than being absorbed into the ground, the more likely flooding will occur in certain areas. With Manhattan's consistent growth during the past decade, this is a significant factor in the need to update local flood standards.

During the past decade, more advanced technologies for collecting data on topography and rainfall have been developed, as well as new scientific models to predict flood risks, requiring changes to the FIRMs to reflect more accurate data collection. The changes reflected in the FIRMs represent changes to the risk of flooding along streams, rivers and low-lying areas.
Purchasing Flood Insurance
A typical home insurance policy does not cover losses from a flood. Property identified in the high-risk areas of the Digital Flood Insurance Risk Maps (DFIRMs) will be required to carry flood insurance, with rates based on the flood risks that went into effect on March 16, 2015. The City of Manhattan participates in the National Flood Insurance Program, which entitles homeowners, renters and business owners to purchase flood insurance to protect their property and/or belongings in the event of a flood.

Flood insurance for a structure and its contents is available to all residents, regardless if you are in an identified flood-prone area. View the FIRMs to determine your property's flood risk, talk to your insurance provider to determine if you need additional coverage and visit NFIP's website for more information.

Floodplain Regulations
As an NFIP-participating community, Manhattan is required to follow, adopt and apply a minimum set of development regulations for properties and structures in the high-risk floodplains (Zones A, AE and AH on the FIRMs). These regulations are designed to require minimum standards when building a new structure in the floodplain or when remodeling or repairing an existing structure. The intent is to better protect existing structures and new properties from flooding based on the current FIRMs and floods anticipated in the future.

Contact Us

  1. Chad Bunger
    Assistant Director of Community Development
    Email Chad Bunger

    1101 Poyntz Ave.
    Manhattan, KS 66502

    Ph: 785-587-2412
    Fx: 785-587-2439