Is Motley County, TX in a flood zone?
FEMA's National Risk Index puts Motley County's flood hazard at the 1.6th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 7 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Motley County
Motley 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 Motley County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Motley County ranks
Motley County sits at rank 3099 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 3108 of 3144 by population (1 is biggest). Motley County, Texas covers 989.566 square miles and counts roughly 1,015 residents.
What to do next if you own or are buying in Motley County
FEMA counts 648 residential structures in Motley County overall, 0 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 Motley County's numbers. See the data quality guide for why Motley County, like hundreds of other counties, doesn't get a clean compliance percentage.