Aransas County, TX flood risk explained
Flood hazard in Aransas County sits at the 67.8th national percentile, a middling flood hazard by national standards; driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 3.7 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Aransas County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 68.7% of them do — 1,835 active policies against 2,671 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 25.5% of all residential structures in Aransas County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Aransas County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Aransas County ranks 1057 — 1 being the highest hazard nationally — and 1602 by population among all 3144 counties covered here, where 1 is the largest. Aransas County, Texas is home to about 25,595 people across 252.271 square miles of land.
What to do next if you own or are buying in Aransas County
FEMA counts 14,941 residential structures in Aransas County overall, 3,808 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Aransas County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Aransas County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.