Is Potter County, TX in a flood zone?
FEMA's National Risk Index puts Potter County's flood hazard at the 68th percentile nationally — below 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 2 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
Homes with a federally backed mortgage inside Potter County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 24.2% of them do — 108 active policies against 447 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Potter County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Potter County against the rest of the country
Potter County sits at rank 1048 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 555 of 3144 by population (1 is biggest). Potter County, Texas covers 908.401 square miles and counts roughly 114,649 residents.
Checking a specific address in Potter County
Across all of Potter County's 40,739 residential structures, 161 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Potter 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.