Bandera County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Bandera County scores at the 79.3th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3.4 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Bandera County
14.8% of the homes FEMA requires to carry flood insurance in Bandera County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 136 policies against 922 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 2% of all residential structures in Bandera County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Bandera County ranks
Among the 3144 US counties FEMA scores for flood hazard, Bandera County ranks 682 — 1 being the highest hazard nationally — and 1689 by population among all 3144 counties covered here, where 1 is the largest. About 22,830 people live in Bandera County, Texas, spread over 790.994 square miles.
What to do next if you own or are buying in Bandera County
232 of Bandera County's 11,385 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Bandera 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.