How much flood risk does McLennan County actually carry?
McLennan County lands at the 88.9th 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.
McLennan County's flood-insurance compliance gap
Homes with a federally backed mortgage inside McLennan County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 32.6% of them do — 539 active policies against 1,655 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in McLennan County, not just the ones FEMA mandates, 1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
McLennan County against the rest of the country
McLennan County sits at rank 365 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 271 of 3144 by population (1 is biggest). McLennan County, Texas covers 1,036.706 square miles and counts roughly 270,358 residents.
Your street may differ from McLennan County's average
770 of McLennan County's 77,763 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 McLennan 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.