Homeowner Insurance Costs in Caldwell County, TX

How much does homeowner insurance cost in Caldwell County? Here's what to expect.

Est. Annual Premium

$1,020

Monthly Cost

$85

Median Home Value

$185,400

% of Income

1.5%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$185,400
Personal Property (C)$92,700
Liability (E)$300,000
Deductible$1,854

Cost Context

Homeownership Rate71.5%
Median Income$66,779
Property Tax Rate1.5%
Population46,141

About Insurance in Caldwell County

Homeowner insurance in Caldwell County, Texas costs an estimated $1,020 per year for a median-value home of $185,400. This represents approximately 1.5% of the median household income of $66,779.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in Texas

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.