Oldham County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Oldham County scores at the 1.6th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 4 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
FEMA hasn't published a residential structure count for Oldham County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0% of all residential structures in Oldham County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Oldham County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Oldham County ranks 3098 — 1 being the highest hazard nationally — and 3055 by population among all 3144 counties covered here, where 1 is the largest. About 1,823 people live in Oldham County, Texas, spread over 1,500.523 square miles.
Your street may differ from Oldham County's average
0 of Oldham County's 830 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Oldham County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Oldham County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.