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Home Insurance in Lockhart, TX
Lockhart homeowners insure against strong wind and hail first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$3,162/yr
About $264/mo · ~$300k-$400k dwelling class
$1,812/yr
About $151/mo after modeled shopping discount
About 42.7% below local market estimate
What FEMA’s ratings say about Lockhart
The National Risk Index from FEMA scores Caldwell County as relatively low for combined natural-hazard risk. The highest-rated individual hazards are strong wind (relatively high), hail (relatively moderate) and tornadoes (relatively moderate).
FEMA rates strong wind relatively high; shingles, fences and carports are the usual casualties.
A relatively moderate hail rating makes the wind/hail deductible one of the biggest pricing levers, since a percentage deductible is based on your dwelling limit, not the claim.
Tornado risk is relatively moderate in Caldwell County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
FEMA rates inland flood risk relatively moderate; flood coverage is separate and worth pricing even outside a mapped high-risk zone.
Recent severe weather in Caldwell County
From 2016 to 2025, 27 hail events were recorded in Caldwell County in NOAA’s Storm Events Database. Of these, 23 reached at least one inch in diameter. On March 18, 2018, observers reported hail as large as 2.75 inches. Caldwell County saw 4 tornadoes in NOAA’s 2016 to 2025 records, the strongest rated EF2 on March 21, 2022.
NOAA also lists 20 thunderstorm wind events, the strongest estimated near 85 mph. NOAA also counts 24 flash flood events in the county in that period.
Since 2000, Caldwell County has been included in 11 federal major disaster declarations for natural hazards. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Who covers wind in Lockhart?
Wind coverage in Caldwell County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
Flood insurance in Lockhart
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from June 2026. Flood coverage is far from universal: 231 residential NFIP policies in Caldwell County, or about 1 per 70 homes. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
You can check your flood zone by address at the FEMA Flood Map Service Center.
How Lockhart homes are built and valued
1986 is the median year built for housing units in Lockhart. Pre-1980 houses are about 39% of the stock, and post-2000 houses about 35%. The typical owner-occupied home in Lockhart is valued at about $251,600. The Caldwell County median is similar, at $240,500. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Local records and contacts for Lockhart
For county-level data, Lockhart falls under Caldwell County. Caldwell County belongs to the Austin-Round Rock-San Marcos metropolitan area as an outlying county. San Marcos is the closest larger city, roughly 15 miles away, with Lockhart to its east.
The Caldwell County appraisal district (www.caldwellcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 211 Bufkin Ln. Lockhart, TX 78644. The NWS Austin/San Antonio, TX office handles forecasts and storm warnings for Lockhart. Its assigned radar site for Lockhart is KEWX.
Questions about weather risk in Lockhart
How common are hailstorms in Caldwell County?
From 2016 through 2025, NOAA logged 27 hail reports in Caldwell County, 23 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Are tornadoes covered on a Lockhart home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Caldwell County had 4 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Is foundation movement covered for Lockhart homes?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Caldwell County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Is Lockhart in the TWIA coverage area?
No, Caldwell 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 Lockhart home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comparison figures: Caldwell County value, Caldwell County build year
- NWS Austin/San Antonio, TX
- Census metro delineation
- Gazetteer (Census)
- Comptroller CAD listing, Caldwell County
- OpenFEMA flood insurance data, Caldwell County
- American Community Survey 2020–2024, Lockhart city: home value, year built, median year built, structure type, tenure, population
- NOAA Storm Events Database, Caldwell County
- FEMA disaster declarations, Caldwell County
- FEMA NRI county ratings, Caldwell County
- Texas Windstorm Insurance Association
- Community Status Book (NFIP)
- Comptroller 2024 regions