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Caldwell, TX

Flood Risk Score: 12/100 · Rank #983 of 3,277 counties

Caldwell County in Texas has 9 FEMA disaster declarations on record covering 1972–2024, most recently Severe Storms, Straight-Line Winds, Tornadoes, and Flooding on May 17, 2024 (DR-4781). Its flood risk grade is A (Low risk), ranking #983 of 3,277 U.S. counties, with 14 NFIP flood insurance claims totaling $634,334 in payouts. Flood risk is relatively low compared to the national average.

12
Risk Score
14
NFIP Claims
$634,334
Total Payouts
9
Disasters
$45,310
Avg Claim
14
Active Policies

FEMA Disaster Declarations in Caldwell County

The 9 most recent federally declared disasters affecting Caldwell County, TX (1972–2024). Total declarations on record: 9.

DeclaredIncident TypeTitleFEMA Disaster #
May 17, 2024FloodSevere Storms, Straight-Line Winds, Tornadoes, and FloodingDR-4781
Aug 25, 2017HurricaneHurricane HarveyDR-4332
Jun 11, 2016FloodSevere Storms and FloodingDR-4272
Sep 24, 2005HurricaneHurricane Rita DR-1606
Sep 21, 2005HurricaneHurricane RitaDR-3261
Sep 2, 2005HurricaneHurricane Katrina EvacuationDR-3216
Jul 4, 2002FloodSevere Storms and FloodingDR-1425
Oct 21, 1998FloodTx-Flooding 10/18/98DR-1257
May 20, 1972FloodSevere Storms & FloodingDR-333

Score Breakdown

The composite score of 12 is calculated from four weighted factors. See our methodology for details.

Claims Density
40%
0
Disaster Frequency
25%
19
Claim Severity
20%
0
Year-over-Year Trend
15%
50

Other Counties in Texas

CountyGradeScoreClaimsDisasters
CalhounA126620
LeeA1218
MarionA1229
MilamA1219
MorrisA1208
PanolaA1209
View All Counties in Texas

Frequently Asked Questions

How many FEMA disaster declarations does Caldwell County, TX have?

Caldwell County, TX has 9 federal disaster declarations on FEMA record (1972–2024). The 5 most recent are: Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (declared May 17, 2024, DR-4781); Hurricane Harvey (declared Aug 25, 2017, DR-4332); Severe Storms and Flooding (declared Jun 11, 2016, DR-4272); Hurricane Rita (declared Sep 24, 2005, DR-1606); Hurricane Rita (declared Sep 21, 2005, DR-3261). Counts include flood, severe storm, hurricane, and coastal storm declarations from the OpenFEMA DisasterDeclarationsSummaries dataset.

What is the flood risk grade for Caldwell County, TX?

Caldwell County is graded A (composite score 12/100, low risk). It ranks #983 of 3,277 U.S. counties for flood risk in our scoring model. The grade combines NFIP claims density (40%), disaster frequency (25%), claim severity (20%), and year-over-year trend (15%).

How many NFIP flood insurance claims have been filed in Caldwell County?

14 NFIP flood insurance claims have been filed in Caldwell County, TX, totaling $634,334 in payouts. The average claim is $45,310. Source: FEMA FimaNfipClaims v2 dataset.

Has Caldwell County, TX had any recent flood disasters?

Yes. The most recent FEMA declaration affecting Caldwell County was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding on May 17, 2024 (DR-4781). The county has 9 declared disasters in the OpenFEMA record covering 1972–2024.

The this entity record above pulls directly from FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims. What follows is the per-entity context — how this entity sits in the broader U.S. flood risk, NFIP claims, and disaster declarations distribution and which underlying factors drive the headline numbers.

The methodology behind every numeric value on this page is publicly documented on the FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims portal and described in detail on this site’s methodology page. Refresh cadence varies by underlying series; the page surfaces the as-of date for each number so readers can trace any figure back to the source release.

For readers using this page as a decision input, the related-entity pages elsewhere on the site provide the comparison set. The most useful comparison for this entity is typically a peer within U.S. ZIPs, counties, and states with similar size, similar exposure, or similar geography — not the national-level summary alone.

Source: FEMA OpenFEMA datasets, 2026.