Is Callahan County, TX in a flood zone?
FEMA's National Risk Index puts Callahan County's flood hazard at the 13.9th percentile nationally — among the lowest 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 once every 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Callahan County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Callahan County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Callahan County against the rest of the country
Callahan County sits at rank 2737 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2116 of 3144 by population (1 is biggest). About 14,615 people live in Callahan County, Texas, spread over 899.372 square miles.
Checking a specific address in Callahan County
FEMA counts 4,817 residential structures in Callahan County overall, 8 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 Callahan County's numbers. See the data quality guide for why Callahan County, like hundreds of other counties, doesn't get a clean compliance percentage.