How much flood risk does San Saba County actually carry?
San Saba County lands at the 14.9th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. 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
San Saba County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in San Saba County, not just the ones FEMA mandates, 3.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How San Saba County compares nationally
San Saba County sits at rank 2708 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2779 of 3144 by population (1 is biggest). San Saba County, Texas is home to about 5,508 people across 1,135.313 square miles of land.
What to do next if you own or are buying in San Saba County
FEMA counts 2,097 residential structures in San Saba County overall, 78 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed San Saba County's numbers. See the data quality guide for why San Saba County, like hundreds of other counties, doesn't get a clean compliance percentage.