How much flood risk does Hardeman County actually carry?
Hardeman County lands at the 4.5th 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 5 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Hardeman County
Hardeman 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 Hardeman 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 Hardeman County ranks
Hardeman County sits at rank 3009 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2928 of 3144 by population (1 is biggest). Hardeman County, Texas covers 695.114 square miles and counts roughly 3,417 residents.
Your street may differ from Hardeman County's average
0 of Hardeman County's 1,992 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Hardeman County's numbers. See the data quality guide for why Hardeman County, like hundreds of other counties, doesn't get a clean compliance percentage.