Gray County, TX Flood Zone & Flood Risk Data
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.