How much flood risk does Lee County actually carry?
Lee County lands at the 21th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.7 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.
Who actually carries the flood insurance FEMA requires
Out of 58 homes FEMA counts inside Lee County's mapped flood zone, 10 carry the flood policy federal law requires there — 17.2% compliance, short of full coverage. Across all residential structures in Lee 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.
Lee County against the rest of the country
Lee County sits at rank 2524 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1910 of 3144 by population (1 is biggest). About 18,451 people live in Lee County, Texas, spread over 629.058 square miles.
What to do next if you own or are buying in Lee County
Across all of Lee County's 6,411 residential structures, 27 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 Lee 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.