How much flood risk does Tom Green County actually carry?
Tom Green County lands at the 76.7th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.9 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
Out of 1,396 homes FEMA counts inside Tom Green County's mapped flood zone, 393 carry the flood policy federal law requires there — 28.2% compliance, short of full coverage. Across all residential structures in Tom Green County, not just the ones FEMA mandates, 1.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Tom Green County against the rest of the country
Tom Green County sits at rank 764 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 536 of 3144 by population (1 is biggest). Tom Green County, Texas covers 1,522.32 square miles and counts roughly 120,103 residents.
What to do next if you own or are buying in Tom Green County
Across all of Tom Green County's 41,924 residential structures, 579 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 Tom Green County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.