Your local Allstate agents
Flood Insurance in Gladstone & North Kansas City
Standard home, condo and renters policies usually don’t cover flood damage. With the Missouri River, creeks and low-lying areas around Kansas City, it’s worth knowing your risk and your options before the next big storm.
- Homeowners
- Renters
- Condo owners
- NFIP
Why ask us about flood insurance
- Local Allstate agents who know the Northland
- Help checking your flood zone and options
- Gladstone office (Kirk Hilt Agency) licensed in Missouri and Kansas
- North Kansas City office (Hilt Group Agency) licensed in Missouri, Kansas and Iowa
- Start your free quote →
Your home policy vs. a flood policy
Water damage and flood damage are treated differently. Knowing the difference helps you avoid a costly gap.
Often covered by a home policy
- Sudden and accidental water damage, like a burst pipe
- Some types of water damage inside the home, depending on the policy
Usually needs a flood policy
- Rising water from heavy rain, rivers or creeks
- Surface water that flows into your home
- Flood damage to your building and belongings
Flood risk around Kansas City
Parts of the Kansas City area sit in mapped flood zones near the Missouri River and local creeks. Flooding can also happen outside mapped zones after heavy rain.
National Flood Insurance Program
Many flood policies are written through the National Flood Insurance Program (NFIP). We can help you see what’s available for your home.
Waiting period
Flood policies typically have a waiting period, often 30 days, before coverage starts, so don’t wait for the forecast.
Lender requirements
If your home is in a high-risk flood zone and you have a federally backed mortgage, your lender may require flood insurance.
Local help from Hilt Agency
We help homeowners, renters and condo owners across Gladstone, North Kansas City and the Northland understand their flood risk and options. Coverage, options and eligibility vary by state and are subject to policy terms, underwriting and availability.
See also our home insurance, condo insurance and earthquake insurance pages, or request a free quote.
Flood insurance FAQ
Does home insurance cover flooding?
Standard home insurance policies usually do not cover flood damage. Flood coverage is usually a separate policy.
Is there a waiting period for flood insurance?
Typically yes. NFIP flood policies usually have a 30-day waiting period before coverage starts, with some exceptions, such as when coverage is required for a new mortgage.
Do I need flood insurance if I’m not in a flood zone?
Floods can happen outside mapped high-risk zones, especially after heavy rain. We can help you look at your risk and decide.
Can renters get flood insurance?
Yes. Renters can usually get flood coverage for their belongings. Ask us about your options.
Which states can you help in?
Our Gladstone office (Kirk Hilt Agency) is licensed in Missouri and Kansas. Our North Kansas City office (Hilt Group Agency) is licensed in Missouri, Kansas and Iowa.
Ask about flood insurance
Send us a quick request, or call the office nearest you.
