How much flood risk does Coryell County actually carry?
Coryell County lands at the 63.1th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.5 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.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Coryell County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 23.1% of them do — 59 active policies against 255 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Coryell County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Coryell County against the rest of the country
Coryell County sits at rank 1210 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 685 of 3144 by population (1 is biggest). About 86,370 people live in Coryell County, Texas, spread over 1,052.247 square miles.
What to do next if you own or are buying in Coryell County
FEMA counts 22,897 residential structures in Coryell County overall, 119 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 Coryell 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.