Refugio County, TX flood risk explained
Flood hazard in Refugio County sits at the 42.6th national percentile, among the lowest flood hazard in the country; driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 3.7 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
18.6% of the homes FEMA requires to carry flood insurance in Refugio County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 29 policies against 156 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 3.3% of all residential structures in Refugio County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Refugio County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Refugio County ranks 1867 — 1 being the highest hazard nationally — and 2677 by population among all 3144 counties covered here, where 1 is the largest. Refugio County, Texas covers 770.484 square miles and counts roughly 6,739 residents.
What to do next if you own or are buying in Refugio County
FEMA counts 3,038 residential structures in Refugio County overall, 101 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Refugio County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Refugio County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.