Is Austin County, TX in a flood zone?
FEMA's National Risk Index puts Austin County's flood hazard at the 57.7th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Austin County's flood-insurance compliance gap
32.8% of the homes FEMA requires to carry flood insurance in Austin County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 179 policies against 546 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Austin County, not just the ones FEMA mandates, 3.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Austin County against the rest of the country
Austin County sits at rank 1394 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1380 of 3144 by population (1 is biggest). Austin County, Texas covers 646.514 square miles and counts roughly 32,546 residents.
Checking a specific address in Austin County
Across all of Austin County's 12,288 residential structures, 474 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Austin County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.