How much flood risk does Terry County actually carry?
Terry County lands at the 11.7th 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Terry 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 Terry County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Terry County against the rest of the country
Terry County sits at rank 2797 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2310 of 3144 by population (1 is biggest). About 11,602 people live in Terry County, Texas, spread over 888.852 square miles.
Your street may differ from Terry County's average
FEMA counts 3,910 residential structures in Terry County overall, 6 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 Terry County's numbers. See the data quality guide for why Terry County, like hundreds of other counties, doesn't get a clean compliance percentage.