Is Hardin County, TX in a flood zone?
FEMA's National Risk Index puts Hardin County's flood hazard at the 66.7th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.3 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Hardin County
Homes with a federally backed mortgage inside Hardin County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 43.4% of them do — 640 active policies against 1,474 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Hardin County, not just the ones FEMA mandates, 12.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Hardin County compares nationally
Hardin County sits at rank 1093 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 908 of 3144 by population (1 is biggest). About 58,670 people live in Hardin County, Texas, spread over 890.578 square miles.
Your street may differ from Hardin County's average
FEMA counts 21,330 residential structures in Hardin County overall, 2,595 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 Hardin 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.