Is Comal County, TX in a flood zone?
FEMA's National Risk Index puts Comal County's flood hazard at the 96.6th percentile nationally — well above 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 3.9 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Comal County
46.2% of the homes FEMA requires to carry flood insurance in Comal County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 651 policies against 1,408 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Comal County, not just the ones FEMA mandates, 2.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Comal County compares nationally
Comal County sits at rank 117 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 353 of 3144 by population (1 is biggest). Comal County, Texas is home to about 201,628 people across 559.537 square miles of land.
Checking a specific address in Comal County
Across all of Comal County's 62,275 residential structures, 1,500 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Comal 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.