Gray County, TX flood risk explained
Flood hazard in Gray County sits at the 24.6th national percentile, among the lowest flood hazard in the country; 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.
Who actually carries the flood insurance FEMA requires
Out of 73 homes FEMA counts inside Gray County's mapped flood zone, 2 carry the flood policy federal law requires there — 2.7% compliance, short of full coverage. Looking beyond the mandated zone, 0% of all residential structures in Gray County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Gray County ranks
Among the 3144 US counties FEMA scores for flood hazard, Gray County ranks 2415 — 1 being the highest hazard nationally — and 1775 by population among all 3144 counties covered here, where 1 is the largest. Gray County, Texas is home to about 20,888 people across 925.974 square miles of land.
Checking a specific address in Gray County
FEMA counts 9,568 residential structures in Gray County overall, 3 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Gray 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.