Atascosa County
Driving in Atascosa County
Atascosa County has an estimated 40,994 individual and commercial vehicles that travel along its highways. This number represents almost 0.18% of all vehicles registered in Texas. Over 24,000 adult drivers in Atascosa County commute to work alone 5 days a week. 3 out of 5 of such commuters spend over 30 minutes driving each way.
Insurance is one of the many responsibilities of a driver and with 20% of Texas drivers believed to be uninsured, there could be possibly more than 8,000 uninsured vehicles in Atascosa County alone.
Auto Insurance Analysis:
About 40,000 automobiles registered in Atascosa County are required to have insurance. The type of insurance depends on the vehicle and its intended use. It can vary from Private Auto, Commercial Auto, Auto Liability, Commercial Inland Marine, and more.
Over 15,000 drivers are commuting daily for more than 30 minutes. The increased amount of time a motorist spends on the road further increases the chances of being involved in vehicle accidents, which causes the rise in the amount of auto insurance premiums.
Uninsured drivers account for one out of every five Texas drivers. Such high-risk drivers place the burden of damage liability on other drivers on the road, resulting in Texans spending an estimated $900 million per year on insurance coverage to mitigate this risk.
Discuss your auto insurance needs with a property & casualty (P&C) Texas-licensed insurance professional.
Atascosa County Housing
Atascosa County’s approximately 19,224 homes are mostly owner-occupied. At over 75%, there are three times more homes with live-in owners than there are rental units. The surrounding counties are also primarily made up of owner-occupied homes, with Wilson County leading the way with over 84 percent, and Bexar county trailing at a ratio of 3 homeowners to 2 renters.
One in every seven housing units in Atascosa County is experiencing housing issues like high housing costs, overcrowding, lack of plumbing facilities, or kitchen issues.
Housing Insurance Analysis:
Over 19,000 residential units should be insured with **Homeowners *or* Condo Insurance** to protect the owners and the properties against loss or damage.
With over 4,700 rented units in the county, Landlord insurance is strongly recommended for those property owners. Landlord’s insurance protects the property itself and from any potential liability claims made by the tenants.
Tenants are advised to acquire Renters Insurance coverage to protect their items from possible damage or loss. Theft, as well as damage caused by fire, smoke, water, and vandalism, are frequently covered by ordinary renters' insurance policies. In Atascosa County, landlords frequently require renters insurance as a condition of the lease.
Atascosa County is located within the three major natural hazard areas: flood, wildfire, and drought. The location of your property can greatly affect the cost of the insurance coverage. Stay prepared and know what to do in an emergency situation.
For consultation and advice about Homeowners or Renters insurance in Atascosa County, contact a Texas-licensed Property & Casualty (P&C) insurance agent.
Atascosa County Health
When it comes to health insurance, approximately 1 in 5 adults and nearly 11% of the children in Atascosa County do not have proper health coverage.
Among the adjacent counties, Frio County has the highest (22%) adult uninsured rate, while McMullen County has the lowest number of uninsured—with less than 14%. Statewide, Gaines County has the highest number of uninsured adults in Texas, at nearly 36%; and with 11%, Loving County records the lowest. In 2021, the average adult uninsured rate in Texas was right under 21%.
Around 36% of Atascosa County’s population does not engage in any physical activity which causes an increase in the county’s risk of health problems. More than 1 out of every 4 residents suffer from health issues.
Atascosa County has the highest obesity rate among the neighboring counties, with more than 40% of inhabitants considered obese (with a BMI of 30 or more). This number is significantly higher than the Texas average of around 31% and is almost double its neighbor Live Oak County, with less than 24% of residents struggling with weight.
Atascosa County has at least 1 insurer that offers affordable and frequently subsidized Affordable Care Act (ACA) health insurance, on and off state marketplace.
Health Insurance Analysis:
Health Insurance is the most important insurance coverage to have, and about 9,000 people in Atascosa do not have health insurance.
There is a wide variety of health insurance and supplemental products available in Texas, making it easier for residents to obtain health coverage, such as the Marketplace ACA health insurance, several types of Short-term insurance (with up to 3 years of coverage), Hospital Indemnity, Accident & Health, and many more.
Lower-income individuals are advised to apply for government subsidies to help them save money on insurance.
If you do not have pre-existing medical conditions, Texas Short-term health insurance may be available at a lower cost than ACA-compliant coverage. (Some Texas short-term plans may offer pre-existing condition coverage after a certain time on the plan).
Contact a registered and licensed Texas health insurance agent to discuss the various health insurance options available in Atascosa County.
Atascosa County Mortality and the End of Life Statistics
Atascosa County residents have a life expectancy of about 78 years, over a year less than the Texas’ average of 79.2 years. Among the neighboring counties, Live Oak County has the highest life expectancy with 2 years more than Atascosa, while Karnes County lags, with a life expectancy of under 77 years old. Statewide, Presidio County (88.8 years old) has the highest average life expectancy, while Donley County has the lowest average life expectancy of just 72.8 years.
In 2022, there were approximately 7,000 seniors (65 and older) residing in Atascosa County.
Analysis of Life Facts:
In 2021, 48% of Americans did not have any form of active life insurance coverage.
Life insurance premiums are calculated based on the age of the insured person at the start of the policy. The younger you are when you purchase it, the more money you will save over the course of the policy.
Motor Vehicle Fatalities in Atascosa County
Atascosa County has a rate of 18.68 motor vehicle fatalities per 100,000 vehicles on the road. This equates to approximately 7 fatalities per year.
In 2020, Texas Department of Transportation (TxDoT) reported over 803 vehicle collisions resulting in 10 fatalities in Atascosa County. 14% of driving fatalities in Atascosa County are attributed to alcohol.
Final Expenses – Atascosa County Funeral Home Cost
Funeral costs in and around Atascosa County vary greatly depending on the included services such as the casket cost, transportation of remains, and the level of the chosen services. Funerals in Atascosa County cost around $6,600, which is a bit higher than the $6,200 average state-wide. Among the surrounding counties, Wilson county has the lowest funeral cost of approximately $4,800, while Medina County has the highest average cost of around $8,400.
Polk County has the highest average funeral cost in Texas with around $11,000, while funeral services in Kenedy County can be found for under $3,500.
Life Insurance Analysis:
With 46% of Americans dying with less than $10,000 in savings, over 3,500 Atascosa County seniors could be placing a needless and often unpleasant financial strain on their family and friends. Rather than grieving their loss, the family must focus on figuring out how to pay.
Aside from burial expenditures, the departed frequently leave the family to deal with any outstanding taxes or debts.
The most typical life insurance policies for covering "final expenses" up to $50,000 are Term Life and Final Expense insurance.
The most often used life insurance policies to leave money to the family are various types of Term and Whole Life insurance, particularly Indexed Universal Life (IUL) and Final Expense insurance.
Discuss your life insurance needs in Atascosa County with a state-licensed Texas life insurance agent.
A Texas life insurance agent:
- analyzes your needs and restrictions,
- researches the locally available plans that fit your needs,
- provides you with the needed information such as the differences between the available insurance products,
- assists you with the application process
A policyholder's usage of a Texas insurance agent is normally free of charge to the insured.
