Texas home insurance · County data

Caldwell County

The average Caldwell County homeowner paid $2,108 for insurance in 2025, $648 more a year than in 2019.

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$2,108 Average yearly home insurance premium in Caldwell County, 2025. +5.2% from 2024.
Texas has 254 counties Caldwell County7,965 policies · 100 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,460$1,478$1,545$1,642$1,804$2,004$2,108Caldwell CountyTexas county median Paid claims per policy, per year $0$500$1,000$1,500$2,0002019202020212022202320242025$525$1,237$862$1,024$714$902$754 All 254 counties, by 2025 average premium
The county

Here’s Caldwell County

Texas has 254 counties. This is one of them: 7,965 home insurance policies were counted here in 2025, written by 100 companies.

The price

What homeowners pay

The average yearly premium rose from $1,460 in 2019 to $2,108 in 2025, a change of +44.4%.

The dashed line is the median Texas county: $3,247 in 2025. Caldwell County is $1,139 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. Paid claims here ranged from $525 to $1,237 per policy over these years.

This page shows both numbers side by side. It does not show that one caused the other.

The ranking

Where it ranks

Of 254 Texas counties, Caldwell County ranks 4th from the lowest 2025 average premium.

Each dot is a county. Hollow dots have fewer than 100 policies, so their averages are less reliable. Hover or tap a dot to see which county it is.

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The dataThe full numbers

Home premiums

Average home premium, 2025
$2,108
per year, policies with wind coverage
Change vs 2024
+5.2%
from $2,004; trend shows each year’s change
Change since 2019
+44.4%
from $1,460
Texas county median, 2025
$3,247
$1,139 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
4 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,460—$1,91314 of 254
2020$1,478+1.2%$1,91518 of 254
2021$1,545+4.5%$2,03011 of 254
2022$1,642+6.3%$2,2259 of 254
2023$1,804+9.9%$2,5999 of 254
2024$2,004+11.1%$3,0145 of 254
2025$2,108+5.2%$3,2474 of 254

Averages include every policy TDI counted, so what any one household pays can be very different.

Claims

Total paid losses, 2025$6,023,198paid on home claims in the county
Paid losses per policy, 2025
$754
total paid divided by policies

Where the 2025 money went

Wind$4,212,821 70%
Water$675,910 11%
Fire$813,195 14%
Other$321,272 5%
YearTotal paidPer policyWindWaterFireOther
2019$2,353,622$525$1,536,458$618,960$83,451$114,753
2020$5,943,387$1,237$5,351,998$376,960$91,449$122,980
2021$4,444,291$862$2,342,939$1,194,088$756,785$150,479
2022$5,741,369$1,024$4,287,643$555,725$750,015$147,986
2023$4,506,510$714$2,420,149$661,672$868,747$555,942
2024$6,563,602$902$3,244,223$644,193$2,260,933$414,253
2025$6,023,198$754$4,212,821$675,910$813,195$321,272

Claims can swing sharply from year to year when severe weather hits. Some loss types include corrections that can show as negative amounts.

Market

Companies writing home policies, 2025100
Average coverage amount, 2025$310,000
Policies counted, 20257,965
YearCompaniesAverage coveragePolicies
2019104$199,0004,477
2020107$204,0004,800
2021109$222,0005,153
2022104$252,0005,599
2023104$274,0006,298
2024100$291,0007,257
2025100$310,0007,965

Auto filings

These are statewide rate changes that companies asked the Texas Department of Insurance to approve over the last 12 months (Nov 6, 2025 to Nov 6, 2026), newest first. They are requested changes on average across Texas, not prices for Caldwell County. Filings that reported no percent change, and motorcycle and RV filings, are not shown. Listed here: 482.

CompanyRequested changeEffectiveStatus
FOREMOST COUNTY MUTUAL INSURANCE COMPANY−3.3%Oct 16, 2026Pending
OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY0.0%Oct 19, 2026Pending
REDPOINT COUNTY MUTUAL INSURANCE COMPANY+6.6%Oct 15, 2026Pending
GEICO TEXAS COUNTY MUTUAL INSURANCE COMPANY+5.0%Oct 14, 2026Pending
STATE FARM COUNTY MUTUAL INSURANCE COMPANY OF TEXAS+2.1%Dec 4, 2026Pending
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY−3.9%Dec 4, 2026Pending
CONSUMERS COUNTY MUTUAL INSURANCE COMPANY0.0%Oct 11, 2026Pending
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Oct 8, 2026Pending
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Oct 8, 2026Pending
KIN INTERINSURANCE NEXUS EXCHANGE0.0%Oct 14, 2026Pending
REDPOINT COUNTY MUTUAL INSURANCE COMPANY0.0%Jan 1, 2027Pending
OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY−2.7%Oct 5, 2026Pending
MIDVALE INDEMNITY COMPANY0.0%Jan 7, 2027Pending
OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY+0.4%Oct 1, 2026Pending
QUALITAS INSURANCE COMPANY+17.9%Oct 15, 2026Pending
SENTINEL INSURANCE COMPANY, LTD.0.0%Oct 1, 2026Approved
AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY0.0%Jan 15, 2027Pending
HALLMARK COUNTY MUTUAL INSURANCE COMPANY+3.1%Sep 28, 2026Pending
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
Show the other 457 filings

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