Sutton County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Sutton County scores at the 19.1th 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 1.1 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.
Who actually carries the flood insurance FEMA requires
FEMA hasn't published a residential structure count for Sutton 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, 0.7% of all residential structures in Sutton County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Sutton County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Sutton County ranks 2585 — 1 being the highest hazard nationally — and 2939 by population among all 3144 counties covered here, where 1 is the largest. Sutton County, Texas is home to about 3,269 people across 1,453.935 square miles of land.
What to do next if you own or are buying in Sutton County
FEMA counts 1,632 residential structures in Sutton County overall, 12 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Sutton County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Sutton 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.