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Home Insurance in Camp Swift, TX
Camp Swift homeowners insure against tornadoes and hail first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$3,383/yr
About $282/mo · ~$300k-$400k dwelling class
$2,101/yr
About $175/mo after modeled shopping discount
About 37.9% below local market estimate
What FEMA’s ratings say about Camp Swift
FEMA’s National Risk Index rates overall natural-hazard risk in Bastrop County as relatively moderate. Hazard by hazard, the strongest scores are for tornadoes (relatively high), hail (relatively moderate) and inland flooding (relatively moderate).
Tornadoes rate relatively high in Bastrop County, so an up-to-date home inventory and enough debris-removal coverage are worth confirming.
Hail is rated relatively moderate in Bastrop County. Ask whether your roof is covered at replacement cost or actual cash value, and whether a Class 4 impact-resistant roof earns a credit.
With inland flooding rated relatively moderate, a separate flood policy is the only way to cover water that enters from outside.
FEMA rates winter weather relatively moderate here; sudden pipe bursts are typically covered, while slow leaks and mold often are not.
Recent severe weather in Bastrop County
Hail turned up 51 times in Bastrop County in NOAA’s database between 2016 and 2025. In 39 cases the hail was an inch across or bigger. The biggest stones, 5.5 inches across, fell on March 18, 2018. Bastrop County saw 6 tornadoes in NOAA’s 2016 to 2025 records, topped by an EF2 on March 21, 2022.
Straight-line thunderstorm winds generated 26 reports, peaking around 81 mph. The same records include 26 flash flood events.
Bastrop County appears in 11 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Among the most recent are Severe Winter Storm (2023), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Who covers wind in Camp Swift?
TWIA does not write in Bastrop County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
Flood insurance in Camp Swift
Bastrop County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. Flood coverage is far from universal: 474 residential NFIP policies in Bastrop County, or about 1 per 79 homes. Since 2016, 139 NFIP flood claims have come from Bastrop County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
The homes behind the risk
According to the Census Bureau, the typical home in Camp Swift went up around 1997. Roughly 23% of the housing stock predates 1980 and 44% is from 2000 onward. For a small place like Camp Swift, the survey margin on home values is wide, so the county median of $314,800 is a steadier reference. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Local records and contacts for Camp Swift
For county-level data, Camp Swift falls under Bastrop County. Bastrop County belongs to the Austin-Round Rock-San Marcos metropolitan area as an outlying county. Measured point to point, Camp Swift sits roughly 29 miles east of Austin.
Before you request quotes, pull your record from the Bastrop appraisal district at www.bastropcad.org; the Texas Comptroller’s Bastrop County directory lists its contact details. The district office address is 212 Jackson St. Bastrop, TX 78602. The NWS Austin/San Antonio, TX office handles forecasts and storm warnings for Camp Swift. Radar coverage comes from the KGRK site.
Camp Swift hazard and coverage questions
Does homeowners insurance cover tornado damage in Camp Swift?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 6 tornadoes in Bastrop County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Is home insurance required in Camp Swift?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
What wind and hail deductible should I choose in Camp Swift?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. With 39 reports of inch-plus hail in Bastrop County from 2016 through 2025, it is worth pricing both options.
Is windstorm insurance through TWIA an option in Camp Swift?
No, Bastrop County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Compare Camp Swift home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Camp Swift page
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- OpenFEMA flood insurance data, Bastrop County
- FEMA disaster declarations, Bastrop County
- Census ACS 2020–2024, Camp Swift CDP: structure type, tenure, population, home value, median year built, year built
- National Risk Index (FEMA), Bastrop County
- NWS Austin/San Antonio, TX
- Comparison figures: Bastrop County value, Bastrop County build year
- NOAA Storm Events Database, Bastrop County
- Census CBSA delineation
- Census Gazetteer coordinates
- TWIA eligibility
- Texas property tax directory, Bastrop County
- Comptroller economic regions