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Home Insurance in Caldwell, TX
Half of the homes in Caldwell were built in 1990 or earlier. Here is how the local housing stock shapes coverage and price.
Caldwell homes at a glance
Single-family detached houses make up about 67% of housing units, and 67% of occupied homes are owner-occupied. Manufactured housing accounts for roughly 18% of units; tie-downs, age and skirting can all affect how those homes are insured.
Why build year matters in Caldwell
The median home in Caldwell was built in 1990. About 30% of homes went up before 1980, while 34% were built in 2000 or later. Houses from this era often have had partial updates, so documenting a newer roof, water heater or HVAC can help when quotes are compared.
$3,394/yr
About $283/mo · ~$300k-$400k dwelling class
$1,989/yr
About $166/mo after modeled shopping discount
About 41.4% below local market estimate
Setting the dwelling limit in Caldwell
The typical owner-occupied home in Caldwell is valued at about $220,800. That is well above the Burleson County median of $191,000. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
The six parts of a Caldwell homeowners policy
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.
Your belongings. A room-by-room photo inventory makes claims faster.
Extra living costs if a covered loss forces you out during repairs.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
Small medical bills for guests injured at your home, regardless of fault.
Hazards Caldwell homes are exposed to
FEMA’s National Risk Index rates overall natural-hazard risk in Burleson County as very low. Among individual perils, the top ratings go to drought (relatively moderate). Over the ten years from 2016 to 2025, NOAA recorded 28 hail events across Burleson County. Stones of one inch or more showed up in 23 of the reports. On March 18, 2018, observers reported hail as large as 4.25 inches.
Wind coverage in Burleson County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. You can check your flood zone by address at the FEMA Flood Map Service Center.
Where to look up your Caldwell home
Your property record, including square footage and year built, is on the Burleson appraisal district site at www.burlesonappraisal.com (phone 979-567-2318). Its office is at 111 E. Fawn St. Caldwell, TX 77836-9998.
For county-level data, Caldwell falls under Burleson County. Burleson County belongs to the College Station-Bryan metropolitan area as an outlying county. Caldwell lies west of College Station, around 24 miles away in a straight line.
Common questions from Caldwell homeowners
How old are homes in Caldwell, and does that change my rate?
Census estimates put the median build year at 1990, with about 30% of homes older than 1980. Expect carriers to ask about roof age and any past hail repairs.
Do I have to carry homeowners insurance in Caldwell?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
How do I insure a manufactured home in Caldwell?
With a policy written for manufactured homes, which make up about 18% of local housing. Age, anchoring and whether the home sits on land you own all affect eligibility and price.
Does homeowners insurance in Caldwell cover flooding?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Caldwell is an NFIP community, and its current flood map took effect in January 2011. Only about 1 in 105 Burleson County homes carries NFIP coverage. Buy early, because NFIP coverage generally starts 30 days after purchase.
Request a Caldwell homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Caldwell page
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NOAA Storm Events Database, Burleson County
- Census CBSA delineation
- Census Gazetteer files
- TWIA eligibility
- OpenFEMA flood insurance data, Burleson County
- FEMA National Risk Index, Burleson County
- Texas property tax directory, Burleson County
- Community Status Book (NFIP)
- American Community Survey 2020–2024, Caldwell city: year built, home value, population, tenure, structure type, median year built
- Texas Comptroller regions
- Comparison figures: Burleson County value, Burleson County build year