Is Val Verde County, TX in a flood zone?
FEMA's National Risk Index puts Val Verde County's flood hazard at the 87.3th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3.9 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 Val Verde 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, 18.1% of them do — 148 active policies against 817 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Val Verde County, not just the ones FEMA mandates, 1.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Val Verde County ranks
Val Verde County sits at rank 419 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1034 of 3144 by population (1 is biggest). Val Verde County, Texas covers 3,144.75 square miles and counts roughly 47,999 residents.
Your street may differ from Val Verde County's average
FEMA counts 17,213 residential structures in Val Verde County overall, 189 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 Val Verde 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.