Rusk County, TX flood risk explained
Flood hazard in Rusk County sits at the 45.9th national percentile, 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 1.2 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.
Rusk County's flood-insurance compliance gap
10.8% of the homes FEMA requires to carry flood insurance in Rusk County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 35 policies against 325 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% of all residential structures in Rusk County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Rusk County ranks
Among the 3144 US counties FEMA scores for flood hazard, Rusk County ranks 1761 — 1 being the highest hazard nationally — and 970 by population among all 3144 counties covered here, where 1 is the largest. Rusk County, Texas is home to about 53,391 people across 924.199 square miles of land.
What to do next if you own or are buying in Rusk County
FEMA counts 18,036 residential structures in Rusk County overall, 57 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Rusk 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.