How much flood risk does Erath County actually carry?
Erath County lands at the 72.1th 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 1.1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Erath County's flood-insurance compliance gap
Out of 234 homes FEMA counts inside Erath County's mapped flood zone, 38 carry the flood policy federal law requires there — 16.2% compliance, short of full coverage. Across all residential structures in Erath County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Erath County compares nationally
Erath County sits at rank 915 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1104 of 3144 by population (1 is biggest). About 44,496 people live in Erath County, Texas, spread over 1,083.179 square miles.
Your street may differ from Erath County's average
FEMA counts 14,008 residential structures in Erath County overall, 56 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 Erath 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.