Caldwell County, Texas: hazard risk
FEMA rates Caldwell County's overall risk Relatively Low (score 79.8 of 100, higher than 79% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by strong wind. Its storm record holds 411 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Strong Wind | Relatively High | 85.0 | $1.3M |
| Riverine Flooding | Relatively Moderate | 87.1 | $24M |
| Hail | Relatively Moderate | 86.8 | $1.1M |
| Drought | Relatively Moderate | 85.7 | $1.0M |
| Tornado | Relatively Moderate | 82.9 | $3.6M |
| Winter Weather | Relatively Moderate | 67.3 | $94K |
| Lightning | Relatively Moderate | 63.8 | $311K |
| Heat Wave | Relatively Low | 74.1 | $882K |
| Wildfire | Relatively Low | 68.0 | $120K |
| Hurricane | Relatively Low | 60.2 | $172K |
| Cold Wave | Relatively Low | 54.8 | $898K |
| Ice Storm | Relatively Low | 41.4 | $45K |
| Earthquake | Very Low | 19.2 | $21K |
| Landslide | Very Low | 14.9 | $48 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Floods | 100 | 11 | $200M | 14th of 254 | 449th of 3,080 |
| Hail | 92 | 0 | $607K | 142nd of 254 | 1401st of 3,080 |
| Severe thunderstorm wind | 80 | 0 | $26M | 91st of 254 | 2074th of 3,080 |
| Drought | 73 | 0 | – | 28th of 254 | 134th of 3,063 |
| Tornadoes | 25 | 0 | $91M | 90th of 254 | 1008th of 3,080 |
| Winter storms | 22 | 0 | $68K | 88th of 254 | 2382nd of 3,077 |
| Heat | 8 | 0 | – | 109th of 254 | 1177th of 3,076 |
| Extreme cold | 4 | 0 | – | 114th of 254 | 2043rd of 3,076 |
| Lightning | 2 | 0 | $110K | 71st of 254 | 1473rd of 3,080 |
| Wildfires | 2 | 0 | $656K | 119th of 254 | 615th of 2,972 |
| High wind and dust storms | 1 | 0 | $69K | 171st of 254 | 2886th of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | – | 70th of 254 | 942nd of 1,849 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Caldwell County record: every hazard by year and month, the deadliest events and FEMA's declarations.