Baylor County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Baylor County scores at the 15.6th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 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 Baylor County
FEMA hasn't published a residential structure count for Baylor County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.4% of all residential structures in Baylor County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Baylor County ranks
Among the 3144 US counties FEMA scores for flood hazard, Baylor County ranks 2685 — 1 being the highest hazard nationally — and 2921 by population among all 3144 counties covered here, where 1 is the largest. Baylor County, Texas covers 867.481 square miles and counts roughly 3,533 residents.
What to do next if you own or are buying in Baylor County
8 of Baylor County's 2,229 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Baylor County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Baylor County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.