Is Ward County, TX in a flood zone?
FEMA's National Risk Index puts Ward County's flood hazard at the 27.1th percentile nationally — 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 2 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Ward 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 Ward County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Ward County compares nationally
Ward County sits at rank 2341 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2342 of 3144 by population (1 is biggest). Ward County, Texas is home to about 11,038 people across 835.603 square miles of land.
What to do next if you own or are buying in Ward County
FEMA counts 4,910 residential structures in Ward County overall, 3 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 Ward County's numbers. See the data quality guide for why Ward County, like hundreds of other counties, doesn't get a clean compliance percentage.