Flood insurance claims in Caldwell County, Texas

FEMA records 180 National Flood Insurance Program claims in Caldwell County, Texas, since 1985, with $7.4 million paid in total. The year with the most claims was 2015, with 107. As of 3 August 2026, 1.4% of homes here had an NFIP policy, and 28.8% of homes in the high-risk flood zone did.

NFIP claims on record180

Total paid$7.4 million

Claims with a payment146

Homes with NFIP policy1.4%

High-risk zone homes insured28.8%

Residential policies in force231

Claims by year of loss

NFIP claims by year of loss, Caldwell County, Texas

Paid on claims by year of loss (building, contents and increased cost of compliance), Caldwell County, Texas

Named flood events with the most claims

Event (FEMA name)	Claims
Early summer storms	73
Flooding	33
Fall severe storms	33
Hurricane Harvey	2
Torrential rain	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
78655	116
78666	21
78648	17
78644	13
78622	9
78616	2
78656	2

116 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.0 million, contents $1.3 million, increased cost of compliance $30,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	612	176	28.8%
All homes	16,073	231	1.4%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.