Home Insurance in Caldwell, Texas
With a median home value of $220,800, Caldwell is 16% higher than the Burleson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Caldwell was built around 1990. About 17% of homes were built before 1960, about 4 points above Burleson County's 13%.
The housing stock in Caldwell is 68% single-family homes, 8% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Caldwell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Caldwell has an owner-occupancy rate of 67% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Caldwell, 68% of homes are primarily heated with electricity.
FEMA rates Burleson County's overall risk as Very Low, led by hurricane (Relatively Low). Burleson County had 97 active NFIP flood policies as of September 2026. See the full Burleson County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $220,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Burleson County | 97 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Caldwell
- FREEMAN INSURANCE SERVICES, LLC, Caldwell (General Lines Agency)
- RUSS BEVIL INSURANCE AGENCY, INC., Caldwell (General Lines Agency)
- VISION INSURANCE AGENCY, LLC, Caldwell (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)