How much flood risk does Lubbock County actually carry?
Lubbock County lands at the 92.1th 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 2.3 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Lubbock County's flood-insurance compliance gap
Out of 5,555 homes FEMA counts inside Lubbock County's mapped flood zone, 633 carry the flood policy federal law requires there — 11.4% compliance, short of full coverage. Across all residential structures in Lubbock County, not just the ones FEMA mandates, 0.8% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Lubbock County against the rest of the country
Lubbock County sits at rank 266 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 228 of 3144 by population (1 is biggest). Lubbock County, Texas covers 895.644 square miles and counts roughly 327,394 residents.
What to do next if you own or are buying in Lubbock County
765 of Lubbock County's 102,274 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 Lubbock 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.