How much flood risk does Kerr County actually carry?
Kerr County lands at the 85.2th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Kerr County
32.6% of the homes FEMA requires to carry flood insurance in Kerr County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 382 policies against 1,172 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Kerr County, not just the ones FEMA mandates, 2.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Kerr County against the rest of the country
Kerr County sits at rank 487 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 962 of 3144 by population (1 is biggest). Kerr County, Texas is home to about 53,900 people across 1,103.333 square miles of land.
Checking a specific address in Kerr County
520 of Kerr County's 21,349 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Kerr 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.