Is Cass County, TX in a flood zone?
FEMA's National Risk Index puts Cass County's flood hazard at the 39.9th percentile nationally — below the national norm for flood hazard — 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Cass County's flood-insurance compliance gap
Out of 195 homes FEMA counts inside Cass County's mapped flood zone, 12 carry the flood policy federal law requires there — 6.2% compliance, short of full coverage. Across all residential structures in Cass 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.
Cass County against the rest of the country
Cass County sits at rank 1952 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1485 of 3144 by population (1 is biggest). Cass County, Texas is home to about 28,622 people across 936.947 square miles of land.
Checking a specific address in Cass County
FEMA counts 13,261 residential structures in Cass County overall, 20 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 Cass County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.