Brazos County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Brazos County scores at the 82.8th 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 1.2 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Brazos County's flood-insurance compliance gap
Out of 1,007 homes FEMA counts inside Brazos County's mapped flood zone, 419 carry the flood policy federal law requires there — 41.6% compliance, short of full coverage. Looking beyond the mandated zone, 2% of all residential structures in Brazos County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Brazos County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Brazos County ranks 564 — 1 being the highest hazard nationally — and 294 by population among all 3144 counties covered here, where 1 is the largest. Brazos County, Texas is home to about 249,624 people across 586.15 square miles of land.
Checking a specific address in Brazos County
Across all of Brazos County's 62,388 residential structures, 1,266 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Brazos 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.