Is Bexar County, TX in a flood zone?
FEMA's National Risk Index puts Bexar County's flood hazard at the 99.7th percentile nationally — among the highest 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 7.5 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
28.4% of the homes FEMA requires to carry flood insurance in Bexar County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 1,745 policies against 6,137 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Bexar County, not just the ones FEMA mandates, 0.8% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Bexar County ranks
Bexar County sits at rank 13 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 16 of 3144 by population (1 is biggest). Bexar County, Texas covers 1,240.419 square miles and counts roughly 2,127,737 residents.
What to do next if you own or are buying in Bexar County
4,411 of Bexar County's 567,488 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Bexar 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.