Kendall County, TX flood risk explained
Flood hazard in Kendall County sits at the 75.1th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.8 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 Kendall County
31.2% of the homes FEMA requires to carry flood insurance in Kendall County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 179 policies against 573 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 2.6% of all residential structures in Kendall County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Kendall County ranks
Among the 3144 US counties FEMA scores for flood hazard, Kendall County ranks 816 — 1 being the highest hazard nationally — and 983 by population among all 3144 counties covered here, where 1 is the largest. Kendall County, Texas covers 662.454 square miles and counts roughly 51,828 residents.
What to do next if you own or are buying in Kendall County
Across all of Kendall County's 14,428 residential structures, 379 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Kendall 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.