Hartley County, TX flood risk explained
Flood hazard in Hartley County sits at the 5.1th 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 4 years. 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 Hartley County
FEMA hasn't published a residential structure count for Hartley County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.1% of all residential structures in Hartley County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Hartley County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Hartley County ranks 2992 — 1 being the highest hazard nationally — and 2821 by population among all 3144 counties covered here, where 1 is the largest. About 4,996 people live in Hartley County, Texas, spread over 1,461.955 square miles.
What to do next if you own or are buying in Hartley County
1 of Hartley County's 1,896 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Hartley County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Hartley County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.