Is Stephens County, TX in a flood zone?
FEMA's National Risk Index puts Stephens County's flood hazard at the 18.7th percentile nationally — among the lowest flood hazard in the country — 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.
Mandatory flood insurance compliance in Stephens County
The raw NFIP numbers for Stephens County would imply over 100% of mandated homes carry a policy, which just means FEMA's structure-count denominator for this county is wrong, not that compliance is unusually good. This is flagged rather than clipped to look normal — details in the data quality guide. Across all residential structures in Stephens County, not just the ones FEMA mandates, 2.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Stephens County against the rest of the country
Stephens County sits at rank 2596 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2452 of 3144 by population (1 is biggest). Stephens County, Texas covers 896.721 square miles and counts roughly 9,475 residents.
Checking a specific address in Stephens County
89 of Stephens County's 3,264 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Stephens County's numbers. See the data quality guide for why Stephens County, like hundreds of other counties, doesn't get a clean compliance percentage.