How much flood risk does Floyd County actually carry?
Floyd County lands at the 11.3th 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 once every 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Floyd County's flood-insurance compliance gap
Floyd County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Floyd County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Floyd County ranks
Floyd County sits at rank 2808 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2815 of 3144 by population (1 is biggest). Floyd County, Texas is home to about 5,042 people across 992.143 square miles of land.
What to do next if you own or are buying in Floyd County
FEMA counts 2,415 residential structures in Floyd County overall, 1 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 Floyd County's numbers. See the data quality guide for why Floyd County, like hundreds of other counties, doesn't get a clean compliance percentage.