Flood Risk

New FEMA flood maps for Caldwell County took effect in 2026

Updated federal flood maps for Caldwell County have an effective date of June 10, 2026, which could affect flood insurance requirements for some properties.

Caldwell County Home & Property

FEMA issued a Letter of Final Determination for revised Flood Insurance Rate Maps (FIRMs) for Caldwell County in late 2025, with an effective date of June 10, 2026. The mapping study covered the Plum Creek watershed and other major drainages across the county.

If your property is in a mapped flood zone, your lender may require flood insurance. Even outside a flood zone, flooding can still happen. Check the FEMA Flood Map Service Center using your address to see your property's current flood zone status.

Source to confirm: FEMA – Caldwell County Flood Maps Become Final

More Caldwell County notes

Property Tax Basics

Two different offices handle your property taxes

In Caldwell County, the appraisal district sets your property value and also handles tax collection — the Tax Assessor-Collector office does not collect property taxes here.

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Property Tax Savings

Homestead exemption can lower your property tax bill

If your home in Caldwell County is your main residence, you can apply for a homestead exemption that reduces your taxable value.

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Local Tax Districts

Your tax bill may include charges from several local districts

Caldwell County has many active taxing entities, so what you owe depends heavily on exactly where your property sits.

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Vehicle Registration

Register your vehicle at the Tax Assessor-Collector in Lockhart

Caldwell County vehicle registration and title transfers are handled at the Tax Assessor-Collector's office on South Main Street in Lockhart.

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