Hemphill County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Hemphill County scores at the 3.6th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 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
FEMA hasn't published a residential structure count for Hemphill 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% of all residential structures in Hemphill County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Hemphill County ranks
Among the 3144 US counties FEMA scores for flood hazard, Hemphill County ranks 3037 — 1 being the highest hazard nationally — and 2950 by population among all 3144 counties covered here, where 1 is the largest. Hemphill County, Texas is home to about 3,134 people across 906.286 square miles of land.
Your street may differ from Hemphill County's average
Across all of Hemphill County's 1,439 residential structures, 0 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Hemphill County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Hemphill 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.