Natural Disaster Risk in Caldwell County
Texas
6.3out of 10
Risk Summary for Caldwell County
Above-average natural disaster risk. Several hazards pose meaningful threats. Ensure adequate home and property insurance.
Top Hazards
Hail Drought Strong Wind
All 18 Hazard Scores
Hail 8.8
Strong Wind 8.7
Drought 8.7
Tornado 8.5
Extreme Heat 7.8
Hurricane 7.3
Wildfire 7.2
Winter Weather 7.1
Lightning 6.8
Cold Wave 6.0
Tsunami 5.4
Volcanic Activity 5.1
Ice Storm 5.1
Coastal Flooding 4.9
Avalanche 4.5
Earthquake 2.9
Landslide 2.5
Riverine Flooding 1.0
How it compares
Caldwell County 6.3
Texas avg. 5.6
US national avg. 4.5
Live Conditions
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🏠 What this means for insurance
Above-average risk — check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Cities in Caldwell County
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.