How much flood risk does Calhoun County actually carry?
Calhoun County lands at the 53.8th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 3.7 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Calhoun County's flood-insurance compliance gap
Out of 2,154 homes FEMA counts inside Calhoun County's mapped flood zone, 859 carry the flood policy federal law requires there — 39.9% compliance, short of full coverage. Across all residential structures in Calhoun County, not just the ones FEMA mandates, 14.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Calhoun County against the rest of the country
Calhoun County sits at rank 1516 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1831 of 3144 by population (1 is biggest). Calhoun County, Texas covers 506.936 square miles and counts roughly 19,942 residents.
Your street may differ from Calhoun County's average
FEMA counts 10,970 residential structures in Calhoun County overall, 1,585 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Calhoun County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.