Uvalde County, TX: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Uvalde County scores at the 82.3th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 3.6 times a year. 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
Homes with a federally backed mortgage inside Uvalde County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 18.7% of them do — 177 active policies against 948 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 2% of all residential structures in Uvalde County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Uvalde County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Uvalde County ranks 582 — 1 being the highest hazard nationally — and 1618 by population among all 3144 counties covered here, where 1 is the largest. Uvalde County, Texas is home to about 25,138 people across 1,551.922 square miles of land.
Your street may differ from Uvalde County's average
214 of Uvalde County's 10,752 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Uvalde 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.