Executive Summary
Across the 501 counties, FEMA counts 1,898,863 residential structures in the high-risk zone and 904,417 NFIP residential policies in force on them — a take-up rate of 47.6%. The rest either carry private flood coverage, which FEMA’s count does not include, or no flood coverage at all.
Key Findings
- Monroe County, FL ranks first at 89.4%; Tyrrell County, NC (77.8%) and Hyde County, NC (76.5%) follow.
- Miami-Dade County, FL has the most homes in the flood zone of any county ranked: 199,250, or 40.5% of its housing.
- Among counties with at least 5,000 flood-zone homes, NFIP take-up ranges from 11.2% in Cochise County, AZ to 90.5% in Glynn County, GA.
- Of the five states with a statewide figure, Florida’s is highest: 14.5% of homes in its 63 counties with a usable count are in the high-risk zone. California is next at 2.9%.
- No statewide Texas figure is published: FEMA’s rows for 128 Texas counties carry no usable flood-zone count.
What “high-risk flood zone” means
FEMA’s high-risk flood zone is the Special Flood Hazard Area (SFHA): the land its Flood Insurance Rate Maps place in an A or V zone (A, AE, AO, AH, V, VE and related codes). FEMA defines it as the area where the NFIP’s floodplain rules must be enforced and where the mandatory purchase of flood insurance applies. The NFIP take-up rate on this page is FEMA’s own “penetration rate”: NFIP residential policies in force divided by residential structures in the zone.
The ten counties with the highest share
Top 25 counties across the six states
| County | Homes in flood zone | Flood-zone homes | NFIP take-up in zone |
|---|---|---|---|
| 1. Monroe County, FL | 89.4% | 34,033 | 61.3% |
| 2. Tyrrell County, NC | 77.8% | 1,984 | 18.9% |
| 3. Hyde County, NC | 76.5% | 2,317 | 39.7% |
| 4. Brooks County, TX | 57.3% | 1,516 | 4.8% |
| 5. Franklin County, FL | 55.0% | 4,340 | 42.7% |
| 6. Charlotte County, FL | 48.7% | 49,038 | 57.9% |
| 7. Willacy County, TX | 46.8% | 2,844 | 14.7% |
| 8. Lee County, FL | 41.8% | 145,195 | 47.5% |
| 9. Gulf County, FL | 40.9% | 3,403 | 38.8% |
| 10. Miami-Dade County, FL | 40.5% | 199,250 | 74.5% |
| 11. Dixie County, FL | 39.5% | 3,782 | 14.2% |
| 12. Galveston County, TX | 35.1% | 43,982 | 66.0% |
| 13. Pamlico County, NC | 30.3% | 2,090 | 62.9% |
| 14. Wharton County, TX | 29.2% | 4,727 | 21.8% |
| 15. Matagorda County, TX | 28.4% | 4,518 | 33.3% |
| 16. Carteret County, NC | 28.3% | 12,132 | 52.2% |
| 17. Dare County, NC | 27.4% | 8,571 | 84.0% |
| 17. Taylor County, FL | 27.4% | 2,677 | 23.6% |
| 19. Wakulla County, FL | 24.0% | 3,291 | 29.8% |
| 20. Okeechobee County, FL | 23.4% | 4,529 | 21.9% |
| 21. Manatee County, FL | 22.9% | 37,749 | 43.3% |
| 22. Lafayette County, FL | 22.5% | 823 | 16.9% |
| 23. Jackson County, TX | 22.2% | 1,602 | 18.0% |
| 24. Brazoria County, TX | 21.8% | 26,528 | 42.8% |
| 25. Seminole County, GA | 20.5% | 1,017 | 9.8% |
Source: FEMA OpenFEMA, NFIP Residential Penetration Rates (v1), as of August 3, 2026. NFIP take-up is shown where the flood zone holds at least 100 residential structures.
Every county, ranked within its state
Arizona: 15 counties ranked
La Paz County ranks first in Arizona: 20.0% of its 13,905 residential structures are in FEMA’s high-risk flood zone (FEMA, as of August 3, 2026). Statewide, 2.2% of homes sit in the high-risk flood zone (57,819 of 2,647,475 residential structures, all 15 counties).
| County | Homes in flood zone | Flood-zone homes | NFIP take-up in zone |
|---|---|---|---|
| 1. La Paz | 20.0% | 2,781 | 6.8% |
| 2. Santa Cruz | 13.4% | 2,094 | 11.8% |
| 3. Cochise | 9.5% | 5,493 | 11.2% |
| 4. Graham | 8.8% | 1,169 | 15.7% |
| 5. Gila | 7.4% | 2,220 | 10.6% |
| 6. Greenlee | 6.3% | 237 | 3.0% |
| 7. Navajo | 3.8% | 2,098 | 14.0% |
| 8. Yavapai | 3.7% | 4,210 | 24.5% |
| 9. Yuma | 2.4% | 1,892 | 16.5% |
| 10. Pima | 2.1% | 8,094 | 21.1% |
| 10. Mohave | 2.1% | 2,464 | 18.4% |
| 12. Coconino | 2.0% | 1,073 | 29.6% |
| 13. Pinal | 1.7% | 2,932 | 20.7% |
| 14. Maricopa | 1.4% | 20,901 | 29.1% |
| 15. Apache | 0.6% | 161 | 11.2% |
California: 54 counties ranked
Merced County ranks first in California: 20.4% of its 74,382 residential structures are in FEMA’s high-risk flood zone (FEMA, as of August 3, 2026). Statewide, 2.9% of homes in the 54 counties with a usable FEMA count sit in the high-risk flood zone (299,579 of 10,305,658 residential structures).
| County | Homes in flood zone | Flood-zone homes | NFIP take-up in zone |
|---|---|---|---|
| 1. Merced | 20.4% | 15,210 | 24.3% |
| 2. Lake | 14.7% | 5,319 | 15.1% |
| 3. Tulare | 14.1% | 18,585 | 19.6% |
| 4. Glenn | 12.3% | 1,178 | 23.1% |
| 5. Marin | 11.6% | 9,823 | 38.0% |
| 6. Tehama | 11.1% | 2,788 | 16.5% |
| 7. Sierra | 10.0% | 201 | 15.9% |
| 8. Sacramento | 8.0% | 35,666 | 81.1% |
| 8. Siskiyou | 8.0% | 1,821 | 8.6% |
| 10. Modoc | 7.2% | 413 | 13.6% |
| 11. Colusa | 7.1% | 491 | 72.1% |
| 12. Santa Clara | 6.7% | 32,371 | 21.6% |
| 13. Santa Cruz | 6.4% | 5,365 | 33.0% |
| 14. Madera | 5.9% | 2,683 | 15.4% |
| 15. Yolo | 5.8% | 3,036 | 28.1% |
| 16. Yuba | 5.7% | 1,467 | 28.5% |
| 17. Butte | 5.6% | 4,026 | 22.3% |
| 18. Humboldt | 5.0% | 2,542 | 9.8% |
| 19. Kern | 4.9% | 12,851 | 19.7% |
| 20. Mendocino | 4.8% | 1,577 | 17.4% |
| 21. Lassen | 4.5% | 544 | 9.4% |
| 22. Mono | 4.3% | 410 | 18.8% |
| 23. Napa | 4.0% | 1,833 | 36.2% |
| 24. San Mateo | 3.9% | 7,052 | 30.9% |
| 24. Solano | 3.9% | 5,211 | 25.3% |
| 26. San Joaquin | 3.7% | 7,720 | 24.7% |
| 27. Santa Barbara | 3.6% | 4,422 | 27.4% |
| 28. Plumas | 3.5% | 517 | 11.0% |
| 28. Trinity | 3.5% | 269 | 14.9% |
| 30. Kings | 3.4% | 1,364 | 11.7% |
| 31. Del Norte | 3.3% | 329 | 15.8% |
| 32. Ventura | 3.2% | 7,333 | 30.9% |
| 33. Shasta | 3.0% | 2,056 | 19.1% |
| 34. Orange | 2.8% | 22,389 | 18.6% |
| 34. Monterey | 2.8% | 3,063 | 22.8% |
| 36. San Luis Obispo | 2.7% | 2,861 | 22.4% |
| 37. San Benito | 2.5% | 407 | 17.4% |
| 38. Sonoma | 2.4% | 3,971 | 31.3% |
| 39. Contra Costa | 2.3% | 7,128 | 28.0% |
| 40. Amador | 2.0% | 315 | 24.8% |
| 41. Riverside | 1.9% | 14,072 | 15.5% |
| 42. Alameda | 1.7% | 6,841 | 36.0% |
| 43. San Diego | 1.5% | 12,953 | 24.2% |
| 43. San Bernardino | 1.5% | 9,277 | 14.8% |
| 45. Stanislaus | 1.4% | 2,334 | 22.7% |
| 45. Imperial | 1.4% | 601 | 4.2% |
| 47. Fresno | 1.1% | 2,954 | 19.6% |
| 48. Inyo | 1.0% | 83 | — |
| 49. Calaveras | 0.7% | 172 | 36.6% |
| 50. Placer | 0.6% | 905 | 43.0% |
| 50. Nevada | 0.6% | 292 | 22.6% |
| 52. Los Angeles | 0.5% | 11,989 | 32.7% |
| 52. El Dorado | 0.5% | 445 | 24.0% |
| 54. Tuolumne | 0.2% | 54 | — |
Not ranked (4), because FEMA’s row has no flood-zone structure count — Alpine, San Francisco, Sutter; no published flood-zone penetration rate — Mariposa. The same rule keeps these counties out of the statewide figure.
Florida: 63 counties ranked
Monroe County ranks first in Florida: 89.4% of its 38,080 residential structures are in FEMA’s high-risk flood zone (FEMA, as of August 3, 2026). Statewide, 14.5% of homes in the 63 counties with a usable FEMA count sit in the high-risk flood zone (997,127 of 6,872,793 residential structures).
| County | Homes in flood zone | Flood-zone homes | NFIP take-up in zone |
|---|---|---|---|
| 1. Monroe | 89.4% | 34,033 | 61.3% |
| 2. Franklin | 55.0% | 4,340 | 42.7% |
| 3. Charlotte | 48.7% | 49,038 | 57.9% |
| 4. Lee | 41.8% | 145,195 | 47.5% |
| 5. Gulf | 40.9% | 3,403 | 38.8% |
| 6. Miami-Dade | 40.5% | 199,250 | 74.5% |
| 7. Dixie | 39.5% | 3,782 | 14.2% |
| 8. Taylor | 27.4% | 2,677 | 23.6% |
| 9. Wakulla | 24.0% | 3,291 | 29.8% |
| 10. Okeechobee | 23.4% | 4,529 | 21.9% |
| 11. Manatee | 22.9% | 37,749 | 43.3% |
| 12. Lafayette | 22.5% | 823 | 16.9% |
| 13. Sarasota | 19.9% | 41,803 | 42.2% |
| 14. Broward | 18.9% | 123,414 | 76.1% |
| 15. Pasco | 15.5% | 35,604 | 46.9% |
| 16. Citrus | 15.3% | 12,092 | 39.3% |
| 17. Levy | 13.7% | 2,650 | 28.9% |
| 18. Indian River | 13.4% | 9,634 | 51.7% |
| 19. Bay | 13.2% | 9,900 | 67.5% |
| 20. Hillsborough | 12.7% | 56,828 | 61.4% |
| 21. Bradford | 12.1% | 1,317 | 26.9% |
| 22. Osceola | 11.0% | 14,370 | 35.9% |
| 22. Holmes | 11.0% | 967 | 7.9% |
| 24. Walton | 10.9% | 4,608 | 70.3% |
| 25. Putnam | 10.8% | 4,247 | 19.9% |
| 26. Gilchrist | 10.5% | 808 | 17.6% |
| 27. Calhoun | 9.4% | 607 | 11.2% |
| 28. Hendry | 8.7% | 1,301 | 34.0% |
| 29. Nassau | 8.5% | 3,317 | 60.7% |
| 29. Glades | 8.5% | 612 | 17.5% |
| 31. Volusia | 8.4% | 19,091 | 57.4% |
| 32. Palm Beach | 8.2% | 43,577 | 43.4% |
| 33. Santa Rosa | 8.0% | 5,594 | 66.9% |
| 34. Suwannee | 7.2% | 1,486 | 20.1% |
| 35. Washington | 7.0% | 832 | 8.8% |
| 36. Brevard | 6.8% | 17,068 | 47.0% |
| 37. DeSoto | 6.6% | 879 | 31.6% |
| 38. Escambia | 6.5% | 7,909 | 62.0% |
| 38. Columbia | 6.5% | 1,824 | 27.4% |
| 40. Okaloosa | 6.4% | 5,078 | 73.9% |
| 41. Martin | 5.8% | 3,905 | 77.8% |
| 42. Hernando | 5.6% | 4,770 | 53.9% |
| 42. Hamilton | 5.6% | 294 | 14.3% |
| 44. Madison | 5.5% | 420 | 11.2% |
| 44. Liberty | 5.5% | 162 | 4.9% |
| 46. Hardee | 5.3% | 484 | 14.9% |
| 47. St. Lucie | 4.9% | 6,144 | 44.0% |
| 48. Alachua | 4.8% | 4,050 | 18.4% |
| 49. Jefferson | 4.7% | 297 | 12.5% |
| 50. Marion | 4.6% | 7,895 | 21.9% |
| 50. Baker | 4.6% | 459 | 20.9% |
| 52. Lake | 4.5% | 6,862 | 23.7% |
| 53. Clay | 4.4% | 3,451 | 48.5% |
| 54. Highlands | 4.3% | 2,149 | 21.0% |
| 55. Polk | 3.9% | 10,707 | 36.8% |
| 56. Sumter | 3.5% | 2,480 | 38.6% |
| 57. Union | 3.4% | 155 | 29.0% |
| 58. Leon | 3.1% | 2,899 | 39.9% |
| 59. Duval | 3.0% | 9,721 | 60.3% |
| 60. Seminole | 2.8% | 4,324 | 47.1% |
| 61. Jackson | 2.4% | 451 | 13.7% |
| 62. Orange | 2.3% | 9,209 | 44.2% |
| 63. Gadsden | 1.7% | 312 | 10.9% |
Not ranked (4), because FEMA’s row has more NFIP policies in the zone than flood-zone structures — Collier, Flagler, Pinellas, St. Johns. The same rule keeps these counties out of the statewide figure.
Georgia: 143 counties ranked
Seminole County ranks first in Georgia: 20.5% of its 4,960 residential structures are in FEMA’s high-risk flood zone (FEMA, as of August 3, 2026). Statewide, 2.1% of homes in the 143 counties with a usable FEMA count sit in the high-risk flood zone (71,867 of 3,491,247 residential structures).
| County | Homes in flood zone | Flood-zone homes | NFIP take-up in zone |
|---|---|---|---|
| 1. Seminole | 20.5% | 1,017 | 9.8% |
| 2. Glynn | 17.6% | 5,676 | 90.5% |
| 3. Clinch | 15.9% | 461 | 10.8% |
| 4. Chatham | 13.5% | 12,957 | 81.5% |
| 5. Cook | 11.2% | 876 | 6.2% |
| 6. McIntosh | 10.8% | 780 | 36.4% |
| 7. Liberty | 10.4% | 2,291 | 40.4% |
| 8. Dougherty | 10.1% | 3,056 | 22.4% |
| 9. Baker | 10.0% | 113 | 8.0% |
| 10. Bryan | 9.8% | 1,441 | 92.9% |
| 10. Mitchell | 9.8% | 921 | 13.2% |
| 12. Putnam | 9.4% | 1,297 | 1.2% |
| 13. Camden | 8.8% | 1,724 | 75.1% |
| 14. Crisp | 7.3% | 670 | 21.6% |
| 15. Calhoun | 7.1% | 173 | 2.3% |
| 16. Jenkins | 6.0% | 257 | 7.4% |
| 17. Appling | 5.8% | 508 | 14.2% |
| 18. Long | 5.6% | 317 | 47.0% |
| 19. Fannin | 5.4% | 937 | 24.9% |
| 19. Brantley | 5.4% | 461 | 11.9% |
| 21. Union | 5.2% | 785 | 13.6% |
| 22. Dooly | 5.0% | 208 | 9.1% |
| 23. Decatur | 4.9% | 634 | 25.6% |
| 24. Rabun | 4.8% | 489 | 13.5% |
| 25. Miller | 4.6% | 139 | 9.4% |
| 26. Ware | 4.4% | 684 | 13.7% |
| 27. Bulloch | 4.1% | 1,020 | 26.0% |
| 27. Gilmer | 4.1% | 706 | 22.7% |
| 29. Polk | 4.0% | 673 | 13.2% |
| 30. Pulaski | 3.9% | 176 | 11.9% |
| 31. Gordon | 3.7% | 818 | 10.4% |
| 31. Tift | 3.7% | 583 | 14.8% |
| 31. Montgomery | 3.7% | 157 | 8.3% |
| 34. Morgan | 3.5% | 357 | 0.8% |
| 34. Worth | 3.5% | 256 | 15.2% |
| 36. Catoosa | 3.4% | 862 | 22.3% |
| 36. Berrien | 3.4% | 293 | 7.5% |
| 38. Effingham | 3.3% | 810 | 39.8% |
| 38. Chattooga | 3.3% | 329 | 4.9% |
| 40. Early | 3.2% | 175 | 13.7% |
| 40. Wheeler | 3.2% | 84 | — |
| 42. Sumter | 3.1% | 391 | 17.1% |
| 43. Towns | 3.0% | 249 | 16.5% |
| 43. Dade | 3.0% | 210 | 9.0% |
| 45. Floyd | 2.9% | 1,051 | 15.2% |
| 45. Screven | 2.9% | 215 | 10.2% |
| 47. Butts | 2.8% | 263 | 31.6% |
| 48. Walker | 2.7% | 742 | 14.4% |
| 49. Evans | 2.6% | 121 | 14.9% |
| 49. Lanier | 2.6% | 112 | 16.1% |
| 51. Candler | 2.5% | 126 | 7.9% |
| 52. Colquitt | 2.4% | 451 | 11.1% |
| 52. Lee | 2.4% | 271 | 44.6% |
| 52. Irwin | 2.4% | 110 | 3.6% |
| 55. Tattnall | 2.3% | 228 | 13.6% |
| 56. Thomas | 2.2% | 440 | 15.5% |
| 56. Toombs | 2.2% | 261 | 18.0% |
| 56. Hancock | 2.2% | 121 | 1.7% |
| 56. Charlton | 2.2% | 100 | 13.0% |
| 60. Pierce | 2.1% | 209 | 11.0% |
| 61. Wilcox | 2.0% | 76 | — |
| 61. Atkinson | 2.0% | 71 | — |
| 63. Ben Hill | 1.9% | 137 | 12.4% |
| 63. Jeff Davis | 1.9% | 128 | 12.5% |
| 65. Washington | 1.8% | 167 | 12.6% |
| 66. Wayne | 1.7% | 208 | 19.7% |
| 67. Whitfield | 1.6% | 514 | 18.9% |
| 67. Coffee | 1.6% | 273 | 8.1% |
| 67. Stephens | 1.6% | 192 | 12.0% |
| 67. Brooks | 1.6% | 130 | 8.5% |
| 71. Richmond | 1.5% | 1,121 | 34.4% |
| 71. Fayette | 1.5% | 615 | 28.6% |
| 71. Pickens | 1.5% | 226 | 10.2% |
| 71. White | 1.5% | 196 | 29.6% |
| 71. Jasper | 1.5% | 102 | 31.4% |
| 76. Walton | 1.4% | 466 | 5.2% |
| 76. Monroe | 1.4% | 151 | 26.5% |
| 76. Emanuel | 1.4% | 149 | 9.4% |
| 76. Heard | 1.4% | 76 | — |
| 80. Telfair | 1.3% | 78 | — |
| 81. Lowndes | 1.2% | 499 | 22.2% |
| 81. Troup | 1.2% | 311 | 11.9% |
| 81. Macon | 1.2% | 68 | — |
| 81. Bleckley | 1.2% | 63 | — |
| 85. Clayton | 1.1% | 889 | 22.4% |
| 85. Bartow | 1.1% | 434 | 30.2% |
| 85. Baldwin | 1.1% | 197 | 6.6% |
| 85. Murray | 1.1% | 171 | 7.0% |
| 89. Houston | 1.0% | 566 | 29.5% |
| 89. Carroll | 1.0% | 425 | 18.1% |
| 89. Barrow | 1.0% | 287 | 4.5% |
| 89. Harris | 1.0% | 149 | 22.1% |
| 89. Haralson | 1.0% | 120 | 3.3% |
| 89. Talbot | 1.0% | 34 | — |
| 89. Turner | 1.0% | 31 | — |
| 96. DeKalb | 0.9% | 1,927 | 72.4% |
| 96. Spalding | 0.9% | 261 | 18.8% |
| 96. Laurens | 0.9% | 206 | 11.7% |
| 96. Lumpkin | 0.9% | 126 | 11.1% |
| 96. Grady | 0.9% | 111 | 8.1% |
| 96. Jones | 0.9% | 110 | 13.6% |
| 96. Burke | 0.9% | 100 | 10.0% |
| 96. Banks | 0.9% | 76 | — |
| 104. Fulton | 0.8% | 2,562 | 40.2% |
| 104. Clarke | 0.8% | 276 | 27.9% |
| 104. Jefferson | 0.8% | 62 | — |
| 104. Johnson | 0.8% | 32 | — |
| 108. Upson | 0.7% | 84 | — |
| 108. Meriwether | 0.7% | 72 | — |
| 108. Dodge | 0.7% | 67 | — |
| 108. Taylor | 0.7% | 29 | — |
| 108. Treutlen | 0.7% | 21 | — |
| 113. Cobb | 0.6% | 1,348 | 85.0% |
| 113. Hall | 0.6% | 418 | 4.5% |
| 113. Habersham | 0.6% | 101 | 21.8% |
| 113. Crawford | 0.6% | 37 | — |
| 113. Bacon | 0.6% | 31 | — |
| 118. Peach | 0.5% | 55 | — |
| 118. Oglethorpe | 0.5% | 39 | — |
| 120. Bibb | 0.4% | 203 | 47.8% |
| 120. Newton | 0.4% | 147 | 38.1% |
| 120. Oconee | 0.4% | 63 | — |
| 120. Madison | 0.4% | 58 | — |
| 120. Dawson | 0.4% | 48 | — |
| 120. Terrell | 0.4% | 18 | — |
| 120. Marion | 0.4% | 14 | — |
| 120. Taliaferro | 0.4% | 5 | — |
| 128. Gwinnett | 0.3% | 745 | 63.1% |
| 128. Henry | 0.3% | 260 | 64.2% |
| 128. Paulding | 0.3% | 181 | 34.3% |
| 128. Coweta | 0.3% | 146 | 28.1% |
| 128. Douglas | 0.3% | 122 | 62.3% |
| 128. Jackson | 0.3% | 74 | — |
| 128. Hart | 0.3% | 41 | — |
| 128. Elbert | 0.3% | 33 | — |
| 136. Cherokee | 0.2% | 187 | 34.2% |
| 136. Rockdale | 0.2% | 51 | — |
| 136. Greene | 0.2% | 24 | — |
| 136. Pike | 0.2% | 16 | — |
| 136. Lincoln | 0.2% | 10 | — |
| 136. Webster | 0.2% | 2 | — |
| 142. Forsyth | 0.1% | 97 | — |
| 142. McDuffie | 0.1% | 9 | — |
Not ranked (16), because FEMA’s row has more NFIP policies in the zone than flood-zone structures — Columbia; no flood-zone structure count — Echols, Muscogee, Schley; no published flood-zone penetration rate — Chattahoochee, Clay, Franklin, Glascock, Lamar, Quitman, Randolph, Stewart, Twiggs, Warren, Wilkes, Wilkinson. The same rule keeps these counties out of the statewide figure.
North Carolina: 100 counties ranked
Tyrrell County ranks first in North Carolina: 77.8% of its 2,551 residential structures are in FEMA’s high-risk flood zone (FEMA, as of August 3, 2026). Statewide, 2.8% of homes sit in the high-risk flood zone (113,606 of 4,056,295 residential structures, all 100 counties).
| County | Homes in flood zone | Flood-zone homes | NFIP take-up in zone |
|---|---|---|---|
| 1. Tyrrell | 77.8% | 1,984 | 18.9% |
| 2. Hyde | 76.5% | 2,317 | 39.7% |
| 3. Pamlico | 30.3% | 2,090 | 62.9% |
| 4. Carteret | 28.3% | 12,132 | 52.2% |
| 5. Dare | 27.4% | 8,571 | 84.0% |
| 6. Camden | 19.9% | 891 | 50.8% |
| 7. Beaufort | 17.4% | 3,774 | 55.6% |
| 8. Pender | 16.9% | 5,184 | 67.6% |
| 9. Brunswick | 15.3% | 12,962 | 78.0% |
| 10. Pasquotank | 14.5% | 2,261 | 54.1% |
| 11. Craven | 13.3% | 5,869 | 60.6% |
| 12. New Hanover | 10.9% | 9,484 | 74.8% |
| 13. Currituck | 10.2% | 1,618 | 59.3% |
| 14. Washington | 9.4% | 543 | 22.7% |
| 15. Swain | 6.8% | 608 | 10.9% |
| 16. Haywood | 6.5% | 2,214 | 26.6% |
| 16. Graham | 6.5% | 336 | 11.9% |
| 18. Robeson | 5.9% | 2,312 | 24.3% |
| 19. Edgecombe | 5.6% | 1,059 | 32.0% |
| 20. Onslow | 5.0% | 3,491 | 73.4% |
| 21. Lenoir | 4.8% | 1,188 | 18.4% |
| 22. Bladen | 4.5% | 879 | 9.8% |
| 23. Jackson | 4.4% | 934 | 18.4% |
| 24. Yancey | 4.2% | 483 | 26.1% |
| 24. Jones | 4.2% | 207 | 28.5% |
| 26. Perquimans | 4.1% | 274 | 74.8% |
| 27. Wayne | 4.0% | 2,676 | 15.6% |
| 27. Clay | 4.0% | 271 | 43.2% |
| 29. Pitt | 3.7% | 2,313 | 34.4% |
| 29. Ashe | 3.7% | 660 | 22.3% |
| 31. Madison | 3.5% | 371 | 19.9% |
| 32. Columbus | 3.3% | 711 | 32.6% |
| 32. Bertie | 3.3% | 357 | 14.3% |
| 34. Gates | 3.2% | 190 | 20.0% |
| 35. Chowan | 3.0% | 216 | 51.9% |
| 36. Transylvania | 2.9% | 517 | 28.4% |
| 37. Avery | 2.8% | 444 | 33.3% |
| 38. Watauga | 2.7% | 673 | 44.3% |
| 39. Martin | 2.4% | 399 | 10.5% |
| 40. McDowell | 2.2% | 463 | 23.5% |
| 41. Cherokee | 2.1% | 360 | 27.8% |
| 42. Nash | 2.0% | 741 | 49.4% |
| 43. Hertford | 1.8% | 169 | 13.0% |
| 43. Mitchell | 1.8% | 143 | 21.7% |
| 45. Wilson | 1.7% | 553 | 50.8% |
| 46. Macon | 1.6% | 407 | 27.3% |
| 47. Cabarrus | 1.4% | 1,202 | 19.9% |
| 48. Caldwell | 1.3% | 489 | 19.0% |
| 49. Buncombe | 1.2% | 1,283 | 41.5% |
| 49. Wilkes | 1.2% | 562 | 2.1% |
| 49. Moore | 1.2% | 434 | 51.2% |
| 49. Halifax | 1.2% | 350 | 9.7% |
| 49. Duplin | 1.2% | 234 | 29.9% |
| 54. Henderson | 1.1% | 562 | 43.8% |
| 55. Orange | 1.0% | 409 | 50.1% |
| 55. Lee | 1.0% | 248 | 28.6% |
| 55. Polk | 1.0% | 103 | 38.8% |
| 58. Cumberland | 0.9% | 1,035 | 33.1% |
| 58. Scotland | 0.9% | 128 | 12.5% |
| 58. Greene | 0.9% | 85 | — |
| 61. Durham | 0.8% | 756 | 64.4% |
| 61. Rowan | 0.8% | 424 | 30.9% |
| 61. Rockingham | 0.8% | 398 | 7.5% |
| 61. Sampson | 0.8% | 221 | 14.5% |
| 65. Johnston | 0.7% | 486 | 35.6% |
| 65. Rutherford | 0.7% | 196 | 38.3% |
| 65. Northampton | 0.7% | 77 | — |
| 68. Alamance | 0.6% | 349 | 53.3% |
| 68. Alleghany | 0.6% | 56 | — |
| 70. Wake | 0.5% | 1,680 | 45.8% |
| 70. Guilford | 0.5% | 843 | 40.3% |
| 70. Gaston | 0.5% | 410 | 45.9% |
| 70. Davidson | 0.5% | 377 | 32.6% |
| 70. Catawba | 0.5% | 293 | 31.4% |
| 70. Harnett | 0.5% | 224 | 48.7% |
| 70. Burke | 0.5% | 175 | 40.0% |
| 77. Mecklenburg | 0.4% | 1,182 | 86.0% |
| 77. Lincoln | 0.4% | 144 | 15.3% |
| 77. Richmond | 0.4% | 84 | — |
| 80. Forsyth | 0.3% | 474 | 44.5% |
| 80. Randolph | 0.3% | 190 | 35.3% |
| 80. Surry | 0.3% | 79 | — |
| 80. Stanly | 0.3% | 77 | — |
| 80. Anson | 0.3% | 30 | — |
| 85. Union | 0.2% | 196 | 58.7% |
| 85. Iredell | 0.2% | 159 | 18.2% |
| 85. Cleveland | 0.2% | 81 | — |
| 85. Chatham | 0.2% | 73 | — |
| 85. Franklin | 0.2% | 67 | — |
| 85. Granville | 0.2% | 56 | — |
| 85. Davie | 0.2% | 43 | — |
| 85. Stokes | 0.2% | 42 | — |
| 85. Alexander | 0.2% | 36 | — |
| 85. Hoke | 0.2% | 36 | — |
| 85. Montgomery | 0.2% | 34 | — |
| 85. Person | 0.2% | 31 | — |
| 85. Caswell | 0.2% | 30 | — |
| 85. Yadkin | 0.2% | 27 | — |
| 85. Warren | 0.2% | 24 | — |
| 100. Vance | 0.1% | 23 | — |
Texas: 126 counties ranked
Brooks County ranks first in Texas: 57.3% of its 2,646 residential structures are in FEMA’s high-risk flood zone (FEMA, as of August 3, 2026). No statewide figure is published for Texas: FEMA's rows for 128 of its 254 counties, holding 20.2% of the state's residential structures, carry no usable flood-zone count, so the counties that remain are not the state.
| County | Homes in flood zone | Flood-zone homes | NFIP take-up in zone |
|---|---|---|---|
| 1. Brooks | 57.3% | 1,516 | 4.8% |
| 2. Willacy | 46.8% | 2,844 | 14.7% |
| 3. Galveston | 35.1% | 43,982 | 66.0% |
| 4. Wharton | 29.2% | 4,727 | 21.8% |
| 5. Matagorda | 28.4% | 4,518 | 33.3% |
| 6. Jackson | 22.2% | 1,602 | 18.0% |
| 7. Brazoria | 21.8% | 26,528 | 42.8% |
| 8. Calhoun | 19.6% | 2,154 | 39.9% |
| 9. Aransas | 17.9% | 2,671 | 68.7% |
| 10. Taylor | 17.1% | 8,566 | 20.3% |
| 11. Starr | 13.9% | 2,363 | 3.8% |
| 12. San Patricio | 12.2% | 2,951 | 31.9% |
| 13. Brown | 12.1% | 2,086 | 16.6% |
| 14. Newton | 11.8% | 707 | 28.0% |
| 15. Liberty | 11.1% | 3,601 | 19.2% |
| 16. Ector | 10.4% | 5,938 | 12.9% |
| 17. Llano | 10.1% | 1,470 | 55.6% |
| 18. San Jacinto | 9.9% | 1,642 | 15.5% |
| 19. Jim Wells | 9.8% | 1,259 | 19.9% |
| 20. Zapata | 9.6% | 546 | 4.4% |
| 21. Cameron | 9.5% | 11,871 | 36.7% |
| 22. Duval | 9.2% | 394 | 4.6% |
| 23. Harris | 9.1% | 113,215 | 48.4% |
| 24. Uvalde | 8.8% | 948 | 18.7% |
| 25. Gonzales | 8.7% | 685 | 15.9% |
| 26. Waller | 8.4% | 1,481 | 31.5% |
| 27. Kleberg | 8.2% | 802 | 18.1% |
| 28. Bandera | 8.1% | 922 | 14.8% |
| 29. DeWitt | 7.9% | 667 | 14.8% |
| 30. Bee | 7.8% | 633 | 24.3% |
| 31. Burnet | 7.7% | 1,829 | 53.1% |
| 32. Robertson | 7.6% | 571 | 21.0% |
| 33. Colorado | 7.5% | 677 | 21.1% |
| 34. Medina | 7.4% | 1,422 | 16.6% |
| 35. Guadalupe | 7.1% | 4,390 | 39.8% |
| 36. Polk | 7.0% | 1,538 | 25.3% |
| 36. Hale | 7.0% | 814 | 6.6% |
| 38. Hardin | 6.9% | 1,474 | 43.4% |
| 39. Young | 6.7% | 537 | 9.5% |
| 40. Palo Pinto | 6.4% | 797 | 12.3% |
| 41. Karnes | 6.2% | 406 | 3.2% |
| 42. Jasper | 6.0% | 708 | 18.9% |
| 43. Kerr | 5.5% | 1,172 | 32.6% |
| 43. Tyler | 5.5% | 557 | 10.4% |
| 45. Lubbock | 5.4% | 5,555 | 11.4% |
| 46. Atascosa | 5.2% | 1,102 | 8.8% |
| 46. Lavaca | 5.2% | 495 | 17.0% |
| 48. Chambers | 5.1% | 770 | 42.9% |
| 48. Refugio | 5.1% | 156 | 18.6% |
| 48. Goliad | 5.1% | 149 | 12.8% |
| 51. Wichita | 4.7% | 2,249 | 18.5% |
| 51. Val Verde | 4.7% | 817 | 18.1% |
| 53. Maverick | 4.6% | 819 | 12.3% |
| 54. Austin | 4.4% | 546 | 32.8% |
| 55. Jones | 4.3% | 262 | 23.7% |
| 55. Archer | 4.3% | 147 | 15.6% |
| 57. Walker | 4.2% | 872 | 26.5% |
| 58. Kendall | 4.0% | 573 | 31.2% |
| 58. Grimes | 4.0% | 398 | 16.3% |
| 58. Burleson | 4.0% | 341 | 14.1% |
| 61. Webb | 3.9% | 2,733 | 14.9% |
| 61. Bosque | 3.9% | 304 | 13.5% |
| 63. Harrison | 3.8% | 1,239 | 9.4% |
| 63. Caldwell | 3.8% | 612 | 28.8% |
| 63. Fannin | 3.8% | 532 | 22.6% |
| 66. Montgomery | 3.6% | 7,208 | 35.5% |
| 67. Hood | 3.5% | 959 | 29.8% |
| 67. Montague | 3.5% | 278 | 17.6% |
| 69. Bastrop | 3.4% | 1,252 | 21.1% |
| 69. Fayette | 3.4% | 426 | 15.0% |
| 71. Parker | 3.3% | 1,486 | 18.7% |
| 71. Tom Green | 3.3% | 1,396 | 28.2% |
| 73. Wilson | 3.2% | 650 | 16.2% |
| 74. Cherokee | 3.1% | 625 | 13.8% |
| 74. Lamar | 3.1% | 535 | 17.8% |
| 74. Cooke | 3.1% | 506 | 23.1% |
| 77. Henderson | 3.0% | 1,224 | 10.2% |
| 77. Leon | 3.0% | 264 | 7.2% |
| 79. Hays | 2.9% | 2,033 | 44.0% |
| 79. Houston | 2.9% | 235 | 6.4% |
| 81. Navarro | 2.8% | 598 | 16.2% |
| 82. Bowie | 2.7% | 873 | 17.5% |
| 83. Fort Bend | 2.6% | 6,535 | 41.9% |
| 83. Angelina | 2.6% | 847 | 25.1% |
| 85. Van Zandt | 2.5% | 522 | 14.6% |
| 86. Johnson | 2.3% | 1,456 | 24.0% |
| 86. Comal | 2.3% | 1,408 | 46.2% |
| 86. Limestone | 2.3% | 201 | 15.9% |
| 89. Wise | 2.2% | 613 | 17.1% |
| 90. McLennan | 2.1% | 1,655 | 32.6% |
| 91. Travis | 2.0% | 6,184 | 52.7% |
| 91. Hill | 2.0% | 306 | 16.0% |
| 91. Rains | 2.0% | 129 | 7.8% |
| 94. Gregg | 1.9% | 782 | 23.4% |
| 95. Rusk | 1.8% | 325 | 10.8% |
| 95. Jack | 1.8% | 58 | — |
| 97. Hunt | 1.7% | 644 | 16.3% |
| 97. Erath | 1.7% | 234 | 16.2% |
| 99. Brazos | 1.6% | 1,007 | 41.6% |
| 99. Grayson | 1.6% | 905 | 16.9% |
| 101. Ellis | 1.5% | 881 | 29.2% |
| 101. Nacogdoches | 1.5% | 300 | 19.0% |
| 101. Washington | 1.5% | 200 | 21.0% |
| 101. Cass | 1.5% | 195 | 6.2% |
| 105. Randall | 1.4% | 728 | 30.5% |
| 106. Dawson | 1.3% | 64 | — |
| 107. Kaufman | 1.2% | 598 | 17.9% |
| 107. Wood | 1.2% | 215 | 14.9% |
| 107. Howard | 1.2% | 138 | 17.4% |
| 110. Bexar | 1.1% | 6,137 | 28.4% |
| 110. Bell | 1.1% | 1,245 | 28.9% |
| 110. Potter | 1.1% | 447 | 24.2% |
| 110. Coryell | 1.1% | 255 | 23.1% |
| 110. Hopkins | 1.1% | 144 | 25.0% |
| 115. Dallas | 1.0% | 6,257 | 39.7% |
| 115. Rockwall | 1.0% | 329 | 17.9% |
| 115. Anderson | 1.0% | 164 | 10.4% |
| 115. Upshur | 1.0% | 158 | 12.0% |
| 119. Smith | 0.9% | 695 | 32.4% |
| 119. Titus | 0.9% | 92 | — |
| 119. Lee | 0.9% | 58 | — |
| 122. Denton | 0.8% | 1,994 | 27.7% |
| 122. Gray | 0.8% | 73 | — |
| 122. Eastland | 0.8% | 69 | — |
| 125. Williamson | 0.7% | 1,291 | 45.8% |
| 126. Collin | 0.3% | 927 | 33.7% |
Not ranked (128), because FEMA’s row has more NFIP policies in the zone than flood-zone structures — Stephens, Tarrant; no flood-zone structure count — Andrews, Armstrong, Bailey, Baylor, Blanco, Borden, Brewster, Briscoe, Callahan, Camp, Carson, Castro, Childress, Clay, Cochran, Coke, Coleman, Collingsworth, Comanche, Concho, Cottle, Crane, Crockett, Crosby, Culberson, Dallam, Deaf Smith, Delta, Dickens, Dimmit, Donley, Edwards, El Paso, Falls, Fisher, Floyd, Foard, Franklin, Freestone, Frio, Gaines, Garza, Gillespie, Glasscock, Hall, Hamilton, Hansford, Hardeman, Hartley, Haskell, Hemphill, Hidalgo, Hockley, Hudspeth, Hutchinson, Irion, Jeff Davis, Jefferson, Jim Hogg, Kenedy, Kent, Kimble, King, Kinney, Knox, La Salle, Lamb, Lampasas, Lipscomb, Live Oak, Loving, Lynn, Madison, Marion, Martin, Mason, McCulloch, McMullen, Menard, Midland, Milam, Mills, Mitchell, Moore, Morris, Motley, Nolan, Nueces, Ochiltree, Oldham, Orange, Panola, Parmer, Pecos, Presidio, Reagan, Real, Red River, Reeves, Roberts, Runnels, Sabine, San Augustine, San Saba, Schleicher, Scurry, Shackelford, Shelby, Sherman, Somervell, Sterling, Stonewall, Sutton, Swisher, Terrell, Terry, Throckmorton, Trinity, Upton, Victoria, Ward, Wheeler, Wilbarger, Winkler, Yoakum, Zavala. The same rule keeps these counties out of the statewide figure.
Method
- Homes in flood zone =
totalResStructuresSfha÷totalResStructuresfor the county, as FEMA publishes them. - NFIP take-up in zone =
resContractsInForceSfha÷totalResStructuresSfha(FEMA’sresPenetrationRateSfha). It is printed only where at least 100 residential structures sit in the zone. - Rank is by share, rounded to one decimal; counties with the same rounded share share a rank.
- A county is not ranked when FEMA’s row has no flood-zone structure count, leaves the flood-zone penetration rate blank, or reports more NFIP policies in the zone than structures. These rows are listed under each state, and they are left out of the statewide figures by the same rule.
- Private flood policies are not in FEMA’s count, so the share of flood-zone homes without an NFIP policy is an upper bound on the share with no flood insurance at all, not a measure of it.
- Structures outside the SFHA can still flood; FEMA counts them, but this ranking measures only the mapped high-risk zone.
Sources
- FEMA — OpenFEMA Dataset: NFIP Residential Penetration Rates (v1), county rows for the six states, as of August 3, 2026
- FEMA — Glossary: Special Flood Hazard Area (SFHA) (retrieved 2026-10-21)
Download the data
flood-zone-homes-by-county-2026.csv (CSV, one row per county FEMA reports for the six states, ranked or not, with every count used on this page).
Reuse
The underlying data is FEMA public-domain output. This compilation, the rankings and the charts are published under CC BY 4.0 — use them, including commercially, with attribution. A source credit linking to this page is all we ask.
