How much flood risk does Gregg County actually carry?
Gregg County lands at the 76.8th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.8 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
23.4% of the homes FEMA requires to carry flood insurance in Gregg County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 183 policies against 782 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Gregg County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Gregg County ranks
Gregg County sits at rank 761 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 516 of 3144 by population (1 is biggest). Gregg County, Texas is home to about 126,679 people across 273.38 square miles of land.
What to do next if you own or are buying in Gregg County
FEMA counts 42,010 residential structures in Gregg County overall, 258 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 Gregg 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.