A plain-language look at homeowners coverage for Caldwell: local context, cost drivers, and how to compare quotes without guesswork.
Caldwell, TX: what is distinctive here
Caldwell has about 4,283 residents and sits in Burleson County.
Caldwell sits in the Burleson County area, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of the Burleson County area, and replacement cost, roof age, and construction type still account for most premium differences from one house to the next.
Carriers rating North Texas homes often price in severe thunderstorms, hail, and tornado risk typical of the Plains.
What homeowners pay for home insurance in Caldwell
The typical homeowners insurance premium in Caldwell, TX is about $1,382 annually for a typical local home (typical local home value about $225,000). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 37% lower — near $871 per year for a typical home, roughly $1,029 for a $300,000 home, about $1,448 for a $600,000 home, and around $1,884 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Caldwell dwelling curve (typical local home value about $225,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Caldwell, TX, using a typical local home value of about $225,000. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Home insurance price factors in Caldwell
Caldwell homeowners are priced on several connected factors that underwriters weigh when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Consider replacement cost as what rebuilding would cost your home using similar materials at today’s labor and material prices. In Caldwell, a larger rebuild estimate, the premium usually rises, as the carrier’s maximum payout grows.
Construction type and roof details round out the list: underwriters check frame versus masonry construction, what covers the roof, and how solidly the home is built, since these factors affect performance in wind, hail, and fire events common across Texas.
Location risk explains why neighbors can pay different amounts: carriers score storm, hail, wildfire, and crime exposure down to ZIP code and neighborhood across Caldwell.
Fire protection looks at how far the home sits from hydrants and stations along with the local protection class, and better protection ratings often support sharper pricing.
Claims history is still a major rating input: recent claims on the property or household often increase rates for Caldwell renewals and new business quotes too.
Where state rules allow it, insurers may apply a credit-based insurance score, and a stronger score usually means a lower premium.
Homeowners coverage basics
- Dwelling (A): This limit pays to rebuild the house itself after a covered loss, and it should keep pace with what rebuilding costs locally right now.
- Other structures (Coverage B): It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (Coverage C): Furniture, clothing, and the other things you own inside the house are covered here, but some higher-value categories carry special sublimits.
- Coverage D, loss of use: It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Coverage E, personal liability: It pays when the law holds you responsible for another person’s injury or property damage from a covered incident.
- Medical payments (Coverage F): It can help pay guest medical bills for injuries that happen on your property, often without requiring a formal liability claim.
Savings opportunities for Caldwell, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Which discounts apply and how much they are worth differ from carrier to carrier. Read “up to” as the top end, not a guarantee.
Local housing and storm data: Caldwell
Census survey estimates (ACS 2020–2024) show about 1,968 housing units in Caldwell, and owner-occupants live in roughly 67% of the occupied homes. Looking at building types, 67% are detached single-family houses, 14% are in buildings with two or more units, and 18% are mobile homes.
Tornado history matters here as well: NOAA recorded 1 tornado starting within 10 miles of Caldwell in 2016–2025, with the strongest at EF1 in January 2020.
From 2000 on, Burleson County has been part of 10 major disaster declarations; the latest is Hurricane Beryl (July 2024).
Home heating in Caldwell runs mainly on electricity (68%) and utility gas (31%).
NOAA’s Storm Events Database lists 7 hail reports within about 5 miles of Caldwell from 2016 through 2025; 5 were one inch or bigger. The largest measured 4.25 inches in March 2018.
Half of Caldwell’s homes were built in or before 1990. Roughly 30% of homes were built before 1980, so system and roof updates often come up in underwriting.
The Census Bureau counted 3,449 people in Caldwell at the 2000 Census and 4,104 at the 2010 Census; its July 2024 estimate is 4,820. That is growth of roughly 40% since 2000.
Earlier hail records help too: SPC data show 20 hail reports within 5 miles of Caldwell between 1955 and 2015, the largest 2.75 inches on March 10, 2000. 3 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 10 tornadoes that began within 10 miles of Caldwell from 1950 through 2015, the strongest an F3 on March 10, 2000.
Looking at neighboring communities? See our home insurance pages for Bryan (21 mi) and College Station (24 mi).
ZIP codes we cover in and around Caldwell
77836
Caldwell, TX bundling home and auto
Illustrated average bundle savings, not a quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Caldwell, Texas | $258 | $436 | $636 |
Saving on home insurance in Caldwell
- Compare multiple carriers, since risk appetite varies.
- Bundle home and auto when it truly lowers the package price.
- Raise deductibles only if you can absorb the out-of-pocket cost.
- Ask about roof, alarm, and claims-free credits that apply to your home.
Keep exploring Texas coverage guides
Get home insurance quotes in Caldwell, TX
For Caldwell residents, Freedom Insurance Group checks 25+ carriers. Phone (800) 253-1482 or start a free home quote online.
