Caldwell County, TX: Home-Insurance Distress & Forced-Sale Pressure
Caldwell County, TX: 37/100 (moderate) home-insurance distress; Caldwell, TX band LOW; Caldwell, TX #1,422 of 3,222 counties; Caldwell, TX #126 of 254 in Texas; raw Caldwell, TX 41.4.
FEMA hazard, Caldwell, TX: 52/100; Caldwell, TX declarations, three years: 3; Caldwell, TX perils: 2 flood; Caldwell, TX five-year count 2 (severity 3.0); Caldwell, TX ten-year 2; hazard-weighted, Caldwell, TX: 6.0.
Declared incidents on the Caldwell, TX record: 2024 Flood 2 (Caldwell, TX).
NFIP claims, Caldwell, TX, three years: 1; Caldwell, TX payouts $0; per Caldwell, TX claim $0; Caldwell, TX claim-stress 15/100.
Caldwell, TX monthly score fell, 42 (March 2026) to 37 (October 2026); Caldwell, TX by month: March 42, April 42, May 41, June 41 (Caldwell, TX), July 39, August 38, September 38, October 37.
Caldwell, TX components: climate 52, NFIP claims 15; Caldwell, TX retreat index 37.
Construction distress, Caldwell, TX: 75/100 as of August 2026 (Caldwell, TX: 79/100 one-to-four unit, 34/100 multifamily).
Caldwell, TX ZIPs, June 2026 (Caldwell, TX, 14 highest): score 0 (Caldwell, TX), climate 93 (Caldwell, TX): 78610; score 0 (Caldwell, TX), climate 91 (Caldwell, TX): 78666; score 0 (Caldwell, TX), climate 89 (Caldwell, TX): 78640; score 0 (Caldwell, TX), climate 83 (Caldwell, TX): 78655; score 0 (Caldwell, TX), climate 80 (Caldwell, TX): 78632, 78648, 78662, 78953; score 0 (Caldwell, TX), climate 78 (Caldwell, TX): 78616, 78656; score 0 (Caldwell, TX), climate 77 (Caldwell, TX): 78622, 78644, 78661, 78959.
DLRadar rescores Caldwell, TX monthly; Caldwell, TX readings join Caldwell, TX foreclosure, lien and ownership parcels (Caldwell, TX), so cost-squeezed Caldwell, TX owners surface before listing.
Inside Texas, Caldwell County ranks 126th of 254 counties for home-insurance distress at 37/100; Refugio County (38/100) sits just above Caldwell County, and Hays County (37/100) sits just below Caldwell County.
Deterministic. Every Caldwell County, TX signal traces to a public Caldwell dataset (FEMA, NFIP, Census for Caldwell, TX) · how insurance distress works in Caldwell, TX · methodology
FAQ: Caldwell County, TX insurance distress
What is the Caldwell County, TX home-insurance-distress score?
Caldwell, TX: 37/100 (LOW), #1,422 of 3,222, #126 in Texas. FEMA hazard, Caldwell, TX: 52/100; NFIP stress, Caldwell, TX: 15/100; construction, Caldwell, TX: 75/100; Caldwell, TX rescores monthly.
Is Caldwell County insurance distress getting better or worse (TX)?
Caldwell, TX: 42 in March 2026; Caldwell, TX: 37 in October 2026 (better); Caldwell, TX climate component 52; Caldwell, TX NFIP claims score 15.
How many flood-insurance claims has Caldwell County, TX had?
Caldwell, TX: 1 NFIP claims, three years; Caldwell, TX paid $0; per Caldwell, TX claim $0; carriers reprice Caldwell, TX against that record.
Which Caldwell County ZIP codes carry the most insurance distress (TX)?
Caldwell, TX, June 2026: 78610 at 0, 78666 at 0, 78640 at 0, 78655 at 0; Caldwell, TX climate scores there: 93, 91, 89, 83.
Why does Caldwell, TX insurance distress create sellers?
A Caldwell, TX premium outruns the Caldwell, TX budget; a carrier leaves Caldwell, TX; Caldwell, TX carrying cost passes plan; Caldwell, TX owners sell while current; Caldwell, TX insurance distress leads Caldwell, TX foreclosure data.