How much flood risk does Sterling County actually carry?
Sterling County lands at the 0.8th 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 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Sterling County's flood-insurance compliance gap
Sterling 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 Sterling County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Sterling County ranks
Sterling County sits at rank 3123 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 3086 of 3144 by population (1 is biggest). Sterling County, Texas is home to about 1,387 people across 923.449 square miles of land.
Your street may differ from Sterling County's average
Across all of Sterling County's 576 residential structures, 0 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Sterling County's numbers. See the data quality guide for why Sterling County, like hundreds of other counties, doesn't get a clean compliance percentage.