How much flood risk does Fayette County actually carry?
Fayette County lands at the 64.8th 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 2.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 426 homes FEMA counts inside Fayette County's mapped flood zone, 64 carry the flood policy federal law requires there — 15% compliance, short of full coverage. Across all residential structures in Fayette County, not just the ones FEMA mandates, 1.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Fayette County compares nationally
Fayette County sits at rank 1157 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1608 of 3144 by population (1 is biggest). About 25,488 people live in Fayette County, Texas, spread over 949.934 square miles.
Checking a specific address in Fayette County
FEMA counts 12,501 residential structures in Fayette County overall, 171 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 Fayette 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.