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Blanco County

Driving in Blanco County

The roads of Blanco County are regularly traveled by approximately 9,773 private and commercial vehicles, which accounts for 0.04% of all registered vehicles in Texas.

Over 78% of adult drivers in Blanco County commute to work by themself, and nearly half of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which means that there could be almost 2,000 uninsured vehicles in Blanco County alone.

Auto Insurance Analysis:   

  1.   There are over 9,000 vehicles registered in Blanco County that need some type of insurance coverage. The required insurance is based on the type of vehicle and its usage: Private Auto, Ranch Auto, Auto Liability, Farm Transportation, Inland Marine, etc.

  2. Mostly rural Blanco County sees less traffic than the more heavily populated counties. However, the local roads are not less dangerous, because of an increased amount of wildlife that can be found near and on the roads. For this reason, resident drivers should consider getting a Comprehensive Auto coverage, which covers the repairs of the damage done by colliding with an animal.

  3. With 1 out 5 drivers uninsured in Texas, Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

For more information and answers to your questions about auto insurance in Blanco County, contact a state-licensed Property & Casualty (P&C) insurance agent.

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Car Insurance in Texas

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Blanco County Housing

Most of the homes in Texas (around 62%) are owner-occupied. Similarly, over 78% of Blanco County’s 5,933 housing units are Homeowner-occupied. . The neighboring counties also largely consist of homes occupied by owners. Llano County shares a similar split (78/22) to Blanco County, followed by Burnet County with around 77%, Comal County at almost 75%, Kendall County (74%), Gillespie County (72%), and Hays County with (62%). Travis County is the only neighboring county that has a much higher rate of housing units listed for rent. Nearly half of all homes in Travis County are rentals.

1 in 6 housing units in Blanco County experiences severe housing problems, due to high housing cost, overcrowding, lack of plumbing, or issues with the kitchen.

Housing Insurance Analysis:

  1. Almost 6,000 housing units in Blanco County need insurance protection, and at a minimum they should be covered by **Homeowners *or* Condo Insurance**. This coverage serves as a protection for the homeowners from loss or damage of properties.

  2. With over 1,200 housing units rented in Blanco County, landlords are recommended to obtain Landlord Insurance that covers the property itself and from the possible liability claims arising from the tenants.

  3. In order to protect the belongings of the tenants from possible damage or loss, particularly from theft and damages caused by fire, smoke, water, and vandalism, they are highly advised to obtain Renters Insurance coverage. The requirement to get Renter insurance may be listed in the lease by the landlord.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Blanco County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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Blanco County Health

More than 1 out of 5 adults and around 18% of all children in Blanco County do not have health insurance. Among the neighbors, the highest uninsured adult rate is in Gillespie County (24%), while the lowest is in Comal County (15%).

Approximately 17% of Blanco County residents report having problems with health, while 24% of its population does not participate in physical exercise activities.

With around 22% of the residents considered obese (with BMI of 30 or more), Blanco County statistics are significantly lower than the Texas average of around 31%. Blanco County also leads among its neighbors. The worst obesity rate is in Burnet County and Kendall County, close to 34%, while Travis County has the lowest rate of 23%.

There are 4 health providers in Blanco County that offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is a necessity for each individual and over 2,000 of Blanco County residents are uninsured.

  2. The state of Texas authorizes multiple types of health insurance and other supplemental products, which makes it easier for Texans to obtain coverage that fits their specific needs (both medically and financially): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital indemnity, Accident & Health, etc.

  3. Tenants are advised to obtain Renters Insurance coverage to protect their belongings from possible damage or loss. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Blanco County may require Renters insurance as a condition of the lease.

For more information and consultation about health insurance in Blanco County contact a licensed-Texan health insurance agent.

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Health Insurance in Texas

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Blanco County Mortality and the End of Life Statistics

The life expectancy rate for the Blanco County residents is 79.5 years which is higher than the Texas average of 79.2. As for the neighboring counties, the highest is Travis County with 81.9 years while the lowest life span is in Llano County at 79 years.

In 2022, there were approximately 3,160 seniors (65 years old and older) residing in Blanco County.

Life Insurance Facts:

  1. According to a 2021 insurance study, 48% of Americans do not have life insurance.

  2. The cost of life insurance premiums depends on the age of the insured when the policy starts. It is more beneficial to apply for any life insurance at a younger age, so as to save on premiums over the course of the policy.

Motor Vehicle Fatalities in Blanco County

Motor vehicle fatality deaths in Blanco County occur at a rate of 17.68 per 100,000 vehicles on the road. This is tantamount to at least 2 fatal crashes per year.

In 2020, Texas Department of Transportation (TxDoT), reported 4 fatal road crashes and 6 deaths on the roads of Blanco County.

Final Expenses - Blanco County Funeral Home Cost

Funeral expenses vary among neighboring counties. The average cost of a funeral in Blanco County is reported at almost $7,000, which is very similar to the funeral cost in Travis County, while Burnet County and Kendall County have lower estimated costs of $6,000 - $6,500.

Life Insurance Analysis:

  1. While 46% of Americans die with less than $10,000 in savings, over 1,400 Blanco County seniors could be placing the unnecessary and possibly unbearable financial burden of paying for the final expenses - on the family members or friends. The family ends up trying to figure out how to pay, instead of grieving the loss.

  2. Apart from the burial costs, the family of the deceased is frequently left with additional bills, such as taxes and other debt.

  3. The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense Insurance..

  4. The most commonly used life insurance policies to leave money to the family are the variations of: Term Life Insurance and Whole Life insurance, especially Indexed Universal Life (IUL) insurance and Final Expense.

For more information and consultation about life insurance in Blanco County, contact a life insurance agent licensed in the state of Texas

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

Life Insurance in Texas

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