Palo Pinto County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Palo Pinto County scores at the 59.9th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 1.5 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Palo Pinto County's flood-insurance compliance gap
Out of 797 homes FEMA counts inside Palo Pinto County's mapped flood zone, 98 carry the flood policy federal law requires there — 12.3% compliance, short of full coverage. Looking beyond the mandated zone, 1% of all residential structures in Palo Pinto County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Palo Pinto County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Palo Pinto County ranks 1321 — 1 being the highest hazard nationally — and 1441 by population among all 3144 counties covered here, where 1 is the largest. Palo Pinto County, Texas is home to about 30,231 people across 952.549 square miles of land.
Your street may differ from Palo Pinto County's average
FEMA counts 12,521 residential structures in Palo Pinto County overall, 127 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Palo Pinto 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.