Gonzales County, TX flood risk explained
Flood hazard in Gonzales County sits at the 90.4th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3 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
15.9% of the homes FEMA requires to carry flood insurance in Gonzales County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 109 policies against 685 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.7% of all residential structures in Gonzales County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Gonzales County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Gonzales County ranks 321 — 1 being the highest hazard nationally — and 1825 by population among all 3144 counties covered here, where 1 is the largest. Gonzales County, Texas is home to about 20,040 people across 1,066.686 square miles of land.
What to do next if you own or are buying in Gonzales County
Across all of Gonzales County's 7,912 residential structures, 134 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Gonzales County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.