Archer County, TX flood risk explained
Flood hazard in Archer County sits at the 8.6th national percentile, among the lowest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Archer County
Out of 147 homes FEMA counts inside Archer County's mapped flood zone, 23 carry the flood policy federal law requires there — 15.7% compliance, short of full coverage. Looking beyond the mandated zone, 1.1% of all residential structures in Archer County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Archer County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Archer County ranks 2888 — 1 being the highest hazard nationally — and 2479 by population among all 3144 counties covered here, where 1 is the largest. Archer County, Texas is home to about 9,155 people across 903.289 square miles of land.
What to do next if you own or are buying in Archer County
FEMA counts 3,422 residential structures in Archer County overall, 39 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Archer County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.