Is Hopkins County, TX in a flood zone?
FEMA's National Risk Index puts Hopkins County's flood hazard at the 58th 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 1.4 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 Hopkins County
Out of 144 homes FEMA counts inside Hopkins County's mapped flood zone, 36 carry the flood policy federal law requires there — 25% compliance, short of full coverage. Across all residential structures in Hopkins County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Hopkins County ranks
Hopkins County sits at rank 1382 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1212 of 3144 by population (1 is biggest). Hopkins County, Texas covers 767.431 square miles and counts roughly 38,784 residents.
What to do next if you own or are buying in Hopkins County
Across all of Hopkins County's 13,103 residential structures, 55 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 Hopkins 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.