Bastrop County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Bastrop County scores at the 86.2th 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 2.5 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 1,252 homes FEMA counts inside Bastrop County's mapped flood zone, 264 carry the flood policy federal law requires there — 21.1% compliance, short of full coverage. Looking beyond the mandated zone, 1.3% of all residential structures in Bastrop County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Bastrop County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Bastrop County ranks 457 — 1 being the highest hazard nationally — and 554 by population among all 3144 counties covered here, where 1 is the largest. About 114,931 people live in Bastrop County, Texas, spread over 888.226 square miles.
Checking a specific address in Bastrop County
FEMA counts 37,299 residential structures in Bastrop County overall, 474 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Bastrop 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.