Somervell County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Somervell County scores at the 20.1th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 once every 2 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
FEMA hasn't published a residential structure count for Somervell County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 1.4% of all residential structures in Somervell County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Somervell County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Somervell County ranks 2553 — 1 being the highest hazard nationally — and 2398 by population among all 3144 counties covered here, where 1 is the largest. About 10,098 people live in Somervell County, Texas, spread over 186.207 square miles.
Checking a specific address in Somervell County
Across all of Somervell County's 3,469 residential structures, 47 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Somervell County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Somervell County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.