Know Your Flood Risk: Renters

Flooding is the most costly and repetitive natural disaster affecting the United States. As a renter of a residential property, you should know the flood risks associated with your residence. Search by address on our Flood Insurance Rate Maps to determine your flood risk. A description of the different flood zones is provided below. Be prepared for the risk of a flood by visiting

High Risk
High risk flood zones are denoted on the FIRMs by Zones A, AE or AH. If you live in a high-risk area, purchasing renters flood insurance could be in your best interest.

Moderate to Low Risk
Moderate- to low-risk flood zones are indicated by Zone X. While the risk is lower in these areas and purchasing insurance is not required of homeowners in this area, purchasing a renters policy could still be beneficial in the event of a flood.

Be Prepared

The city's stormwater management policies and procedures are designed to minimize the risk of flooding, but flooding can and will still occur. Typically, your landlord or property manager's insurance will not cover a tenant's losses from a flood event. Flood insurance is available for renters and is generally the only insurance that pays for flood losses. Find out more information about flood insurance for renters.

Visit to learn how to prepare for a flood event, what to do during a flood event and how to recover from a flood event. As you are preparing for the risk of floods, consider subscribing to Riley County's Emergency Notification - Everbridge. This free service will alert you to flood warnings and other emergency notices via text, phone call and/or email. The National Weather Service has set up flood prediction and inundation mapping resources to better prepare residents for the risk of flooding.

Additional Resources