Cottle County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Cottle County scores at the 1.5th 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 5 years. 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 Cottle County
FEMA hasn't published a residential structure count for Cottle 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% of all residential structures in Cottle County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Cottle County ranks
Among the 3144 US counties FEMA scores for flood hazard, Cottle County ranks 3103 — 1 being the highest hazard nationally — and 3094 by population among all 3144 counties covered here, where 1 is the largest. About 1,263 people live in Cottle County, Texas, spread over 900.564 square miles.
What to do next if you own or are buying in Cottle County
FEMA counts 805 residential structures in Cottle County overall, 0 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Cottle County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Cottle 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.