How much flood risk does Duval County actually carry?
Duval County lands at the 28.6th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Duval 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, 4.6% of them do — 18 active policies against 394 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Duval 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.
Where Duval County ranks
Duval County sits at rank 2295 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2441 of 3144 by population (1 is biggest). Duval County, Texas covers 1,793.477 square miles and counts roughly 9,585 residents.
What to do next if you own or are buying in Duval County
23 of Duval County's 4,303 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Duval 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.