How much flood risk does McCulloch County actually carry?
McCulloch County lands at the 16.8th 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 1.1 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 McCulloch County
McCulloch County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in McCulloch County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where McCulloch County ranks
McCulloch County sits at rank 2652 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2620 of 3144 by population (1 is biggest). About 7,448 people live in McCulloch County, Texas, spread over 1,065.601 square miles.
Your street may differ from McCulloch County's average
FEMA counts 3,546 residential structures in McCulloch County overall, 16 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 McCulloch County's numbers. See the data quality guide for why McCulloch County, like hundreds of other counties, doesn't get a clean compliance percentage.