How much flood risk does Montague County actually carry?
Montague County lands at the 30.7th 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 once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 278 homes FEMA counts inside Montague County's mapped flood zone, 49 carry the flood policy federal law requires there — 17.6% compliance, short of full coverage. Across all residential structures in Montague 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.
Montague County against the rest of the country
Montague County sits at rank 2235 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1725 of 3144 by population (1 is biggest). About 21,890 people live in Montague County, Texas, spread over 930.906 square miles.
Checking a specific address in Montague County
FEMA counts 7,924 residential structures in Montague County overall, 63 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 Montague 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.