Clay County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Clay County scores at the 14.2th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Clay County
FEMA hasn't published a residential structure count for Clay County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.8% of all residential structures in Clay County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Clay County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Clay County ranks 2728 — 1 being the highest hazard nationally — and 2362 by population among all 3144 counties covered here, where 1 is the largest. About 10,730 people live in Clay County, Texas, spread over 1,088.76 square miles.
Checking a specific address in Clay County
38 of Clay County's 4,991 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Clay County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Clay County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.