Natural hazards · Caldwell

Caldwell, TX natural hazards

Most of the natural-hazard damage FEMA expects in Caldwell comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 3 claims here since 1979. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Caldwell?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Caldwell to be higher than in 11% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding41%Cold waves23%Tornadoes11%Hurricanes8%Heat waves6%Everything else13%

By hazard

What Caldwell faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

41% of expected damage

Well below average · higher than 15% of U.S. places

Recorded about once every 2 years in the area

Cold waves

23% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once a year in the area

Tornadoes

11% of expected damage

Above average · higher than 65% of U.S. places

Hurricanes

8% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 12 years in the area

Heat waves

6% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 12 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Caldwell flood?

Every paid claim on a federal flood insurance policy in Caldwell, from FEMA’s records.

3paid claims since 1979

$11Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Tropical Storm Claudette: 1 claim, $1K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Caldwell isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Burleson County.

What’s been done with FEMA grants

9storm safe rooms built

Disasters that hit Caldwell

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Caldwell itself: aid to households, or repair grants to the City of Caldwell.

Brought FEMA money into CaldwellDeclared for Burleson County only

2021

Severe Winter Storms

182 households applied for aid $93K aid approved

2016

Severe Storms and Flooding

44 households applied for aid $119K aid approved

1998

Tx-Flooding 10/18/98

$122K to the City of Caldwell for repairs

Burleson County has had 18 natural disasters declared since 1953, most often hurricanes and floods.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Caldwell covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Caldwell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Caldwell. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Caldwell total about $1.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.