How much flood risk does Henderson County actually carry?
Henderson County lands at the 72.9th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.4 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Henderson County
Out of 1,224 homes FEMA counts inside Henderson County's mapped flood zone, 125 carry the flood policy federal law requires there — 10.2% compliance, short of full coverage. Across all residential structures in Henderson 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.
How Henderson County compares nationally
Henderson County sits at rank 890 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 680 of 3144 by population (1 is biggest). Henderson County, Texas covers 873.788 square miles and counts roughly 87,467 residents.
Your street may differ from Henderson County's average
Across all of Henderson County's 40,444 residential structures, 225 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Henderson 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.