How much flood risk does Webb County actually carry?
Webb County lands at the 91th 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 2.6 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.
Mandatory flood insurance compliance in Webb County
Homes with a federally backed mortgage inside Webb 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, 14.9% of them do — 408 active policies against 2,733 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Webb County, not just the ones FEMA mandates, 0.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Webb County ranks
Webb County sits at rank 302 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 269 of 3144 by population (1 is biggest). Webb County, Texas is home to about 272,823 people across 3,361.498 square miles of land.
Checking a specific address in Webb County
FEMA counts 70,922 residential structures in Webb County overall, 484 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 Webb 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.