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Chambers County

Driving in Chambers County

Chambers County's roadways are used by an estimated 37,093 private and commercial vehicles. This figure equates to around 0.16% of all vehicles registered in Texas.

Nearly 90% of adult drivers in Chambers County commute to work by themself, and 1 in 2 of those commutes last longer than 30 minutes.

Driving without liability car insurance is unlawful in Texas. With approximately 20% of Texas drivers uninsured, Chambers County alone has over 7,000 uninsured vehicles.

Auto Insurance Analysis:

  1. In Chambers County, over 37 thousand registered automobiles are required to have insurance. Private Auto, Commercial Auto, Collision coverage Commercial Inland Marine, and other types of insurance may be required depending on the type of vehicle and its intended usage.

  2. Uninsured drivers account for one out of every five drivers in Texas. As a result of these high-risk drivers putting the burden of damage liability on other road users, Texans spend an estimated $900 million per year on Uninsured and Underinsured Auto Coverage to reduce this risk.

Talk to a Texas-licensed Property and Casualty (P&C) insurance professional to find out more about auto insurance options in Chambers County.

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Car Insurance in Texas

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Chambers County Housing

Similarly to the rest of Texas, where most homes (62%) are owner-occupied, Chambers County's 19,086 (est.) housing unit market is split between homeowners (83%) and renters (17%). The surrounding counties are also predominantly made up of owner-occupied homes, with Liberty County having the second-highest percentage of homeownership at nearly 76%, and Harris County closing in last, with only 55% of homes occupied by owners and 45% for rent.

Nearly 1 out of 7 households in Chambers County is experiencing housing problems, such as:

  • Increasing housing cost
  • Lack of plumbing facilities
  • Overcrowding, or
  • Lack of proper kitchen facilities

Housing Insurance Analysis:

  1. Chambers County has over 19,000 housing units that need insurance coverage. At the very least, all owners of these properties should carry Homeowners, Condo, and/or Business property insurance (for apartment complexes), to safeguard the underlying financial investment against loss or damage.

  2. Landlords of more than 3,000 rental units in Chambers County purchase Landlord insurance, which safeguards the property against potential liability claims brought on by tenants.

  3. Tenants obtain Renters Insurance to protect their valuables from probable damage or loss. Renters' insurance policies often cover tenants' property against theft and damage caused by fire, smoke, water, and vandalism. Landlords frequently require renters to obtain insurance as a condition of the lease.

  4. Chambers County is particularly vulnerable to stray storms and hurricanes due to its proximity to the Gulf of Mexico. Along with being prepared and knowing what to do in the event of a hurricane, Chambers County residents must understand how this risk affects their homeowner's insurance coverage.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for consultation and advice on Homeowners, Renters, Condo, Flood, and other types of insurance in Chambers County.

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Residential Insurance in Texas

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Chambers County Health

The amount of residents without the proper health insurance coverage in Chambers County (under 16%) is significantly better than the Texas state average (≈21%). The highest adult uninsured rate around the neighboring counties is in Harris County, with over 24%, while Galveston County is stated to have the second-lowest rate on top of Chambers County. The highest uninsured county in Texas is Gaines County (with nearly 36%), while Loving County is the lowest, with closer to 11%.

Nearly 7,000 Chambers County residents (1 in 5 adults) report problems with health.

1/4 of the Chambers County population do not engage in physical exercise activities.

Around 33% of Chambers County residents are classified as obese (with a BMI of 30 or more), which is higher than the state average of around 31%. Among surrounding counties, Harris County has the lowest obesity rate–around 30% of residents–while nearly 42% of adults in Jefferson County, 38% in Liberty County, and 35% in Galveston County are considered obese.

There are at least 2 health insurers in Chambers County that offer affordable and frequently subsidized Affordable Care Act (ACA) health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage to have and almost 7,000 people lack this necessity in Chambers County.

  2. Fortunately, Texans have a large selection of health insurance options: Marketplace or Group ACA health insurance, various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, and more.

  3. If you are not buying health insurance due to the unaffordability of its cost, Texas allows lower-income residents to apply for government subsidies, which can significantly reduce your insurance costs. If you don't have any pre-existing conditions, Short-term insurance could be a good option to save money. (Some multi-year short-term plans may cover select pre-existing conditions after a certain period of continuous coverage)

Contact a licensed and knowledgeable Texas health insurance agent for a consultation and guidance on the various health insurance options available in Chambers County.

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Health Insurance in Texas

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Chambers County Mortality and the End of Life Statistics

Chambers County residents have an average life expectancy of more than 78 years, which is a year shorter than the Texas average of 79 years. Among the neighboring counties, Harris County shows longer life spans at 80 years old, adding almost 2 years on top of Chambers County. The highest life expectancy in the state of Texas is seen in Presidio County at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.

As of 2022, there were nearly 6,000 seniors (65 and older) residing in Chambers County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have an active life insurance policy of any type.

  2. Premiums for life insurance are determined by the insured's age at the time the policy begins. The younger you are when you purchase it, the more money you save on premiums over the policy's duration.

Motor Vehicle Fatalities in Chambers County

Fatalities from motor vehicle accidents in Chambers County statistically occur at a rate of around 18.83 per 100,000 vehicles, which is an average of nearly 7 fatal collisions per year. Statistically, nearly 17% of all driving fatalities in Chambers County involve alcohol.

In 2020, the Texas Department of Transportation (TxDoT) reported 1,296 crashes in Chambers County, resulting in 11 fatalities.

Final Expenses – Chambers County Funeral Home Cost

Funeral expenses in and around Chambers County vary drastically. The average price of a funeral in Chambers County is around $6,000. Among the neighbors of Chambers County, Harris County has the highest average funeral cost of over $8,200, while Liberty and Jefferson Counties funeral homes may be found with the lowest cost among its neighboring counties, at under $6,000.

Life Insurance Analysis:

  1. According to statistics, 46% of Americans die with less than $10,000 in savings, which means that paying for the burial may be difficult for the family. This imposes an unnecessary financial strain on the deceased's relatives, forcing them to prioritize funeral expenses over grieving their loss.

  2. Aside from burial costs, the dead frequently leave behind unpaid taxes and other financial obligations for the family to deal with.

  3. Final Expense Insurance and Term Life Insurance are two policies that commonly help cover "final expenses," up to $50,000.

  4. The most often utilized life insurance policies for leaving money to the family are variants of Term Life Insurance and Cash Value Insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

To find out more about life insurance options in Chambers County, speak with a state-licensed and experienced life insurance professional who has access to multiple insurers for comparison.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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