Titus County, TX flood risk explained
Flood hazard in Titus County sits at the 31.9th national percentile, 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. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Titus County's flood-insurance compliance gap
15.2% of the homes FEMA requires to carry flood insurance in Titus County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 14 policies against 92 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Titus County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Titus County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Titus County ranks 2198 — 1 being the highest hazard nationally — and 1400 by population among all 3144 counties covered here, where 1 is the largest. Titus County, Texas covers 406.302 square miles and counts roughly 31,547 residents.
Checking a specific address in Titus County
Across all of Titus County's 10,503 residential structures, 25 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Titus County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.