Hill County, TX flood risk explained
Flood hazard in Hill County sits at the 45.9th national percentile, 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 Hill County
Homes with a federally backed mortgage inside Hill 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, 16% of them do — 49 active policies against 306 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.5% of all residential structures in Hill County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Hill County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Hill County ranks 1762 — 1 being the highest hazard nationally — and 1213 by population among all 3144 counties covered here, where 1 is the largest. About 38,771 people live in Hill County, Texas, spread over 958.859 square miles.
Checking a specific address in Hill County
71 of Hill County's 15,454 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Hill County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.