Cameron County, TX flood risk explained
Flood hazard in Cameron County sits at the 92.8th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.5 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Cameron County
36.7% of the homes FEMA requires to carry flood insurance in Cameron County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 4,354 policies against 11,871 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 9.7% of all residential structures in Cameron County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Cameron County ranks
Among the 3144 US counties FEMA scores for flood hazard, Cameron County ranks 243 — 1 being the highest hazard nationally — and 172 by population among all 3144 counties covered here, where 1 is the largest. About 431,874 people live in Cameron County, Texas, spread over 891.721 square miles.
Checking a specific address in Cameron County
FEMA counts 125,340 residential structures in Cameron County overall, 12,201 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Cameron 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.