Hunt County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Hunt County scores at the 71.7th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 2.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
16.3% of the homes FEMA requires to carry flood insurance in Hunt County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 105 policies against 644 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.4% of all residential structures in Hunt County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Hunt County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Hunt County ranks 926 — 1 being the highest hazard nationally — and 538 by population among all 3144 counties covered here, where 1 is the largest. Hunt County, Texas covers 840.424 square miles and counts roughly 118,729 residents.
Checking a specific address in Hunt County
159 of Hunt County's 38,905 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Hunt 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.