Bosque County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Bosque County scores at the 40.3th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 1.4 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Bosque County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 13.5% of them do — 41 active policies against 304 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.8% of all residential structures in Bosque County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Bosque County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Bosque County ranks 1939 — 1 being the highest hazard nationally — and 1883 by population among all 3144 counties covered here, where 1 is the largest. Bosque County, Texas is home to about 19,013 people across 982.976 square miles of land.
Your street may differ from Bosque County's average
FEMA counts 7,795 residential structures in Bosque County overall, 60 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Bosque 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.