Is Llano County, TX in a flood zone?
FEMA's National Risk Index puts Llano County's flood hazard at the 82.5th percentile nationally — 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 2.4 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
55.6% of the homes FEMA requires to carry flood insurance in Llano County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 817 policies against 1,470 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Llano County, not just the ones FEMA mandates, 7.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Llano County against the rest of the country
Llano County sits at rank 575 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1678 of 3144 by population (1 is biggest). About 23,163 people live in Llano County, Texas, spread over 934.069 square miles.
Checking a specific address in Llano County
FEMA counts 14,573 residential structures in Llano County overall, 1,038 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Llano 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.