Montgomery County, TX flood risk explained
Flood hazard in Montgomery County sits at the 95.6th national percentile, well above the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.7 times a year. 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
35.5% of the homes FEMA requires to carry flood insurance in Montgomery County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 2,559 policies against 7,208 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 10.7% of all residential structures in Montgomery County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Montgomery County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Montgomery County ranks 149 — 1 being the highest hazard nationally — and 89 by population among all 3144 counties covered here, where 1 is the largest. Montgomery County, Texas covers 1,042.178 square miles and counts roughly 749,613 residents.
Your street may differ from Montgomery County's average
Across all of Montgomery County's 198,527 residential structures, 21,232 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Montgomery County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.