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Brown County

Driving in Brown County

Brown County has an estimated 29,553 registered automobiles. More than 84% of adult drivers in Brown County drive alone to work, with over 2,595 of them commuting for 30 minutes or more.

It is estimated that 20% of Texas drivers are uninsured and almost 6,000 vehicles in Brown County alone are possibly uninsured.

Auto Insurance Analysis:

  1. Almost 29 thousand vehicles registered in Brown County need some type of insurance coverage. Depending on the type of vehicle and its use, the required insurance may be Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc. Auto Liability coverage is required for all vehicles on the road.

  2. One of the reasons that Brown County automobile premiums tend to be higher than in less densely populated counties is that more than 18,000 drivers commute every day. Because everyone is driving, there are more vehicles on the road, increasing the probability of an accident. Premium price rises as risk rises.

  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.

To discuss your auto insurance needs in Brown County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Brown County Housing

Brown County's approxiamtely 19,940 housing unit market favors homeowners (72%) over renters (28%), which is higher than the state average proportion of 62 to 38. The neighboring counties are primarily made up of owner-occupied homes too, with Mills County leading the way with almost 85% homes as owner-occupied, while McCulloch County is the leader of the group, in providing rental housing, with a split of 72/28 (sharing similar statistics to Brown County’s own).

Approximately 1 in 10 housing units in Brown County are experiencing housing problems, due overcrowding, lack of plumbing, or issues with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Almost 20,000 dwelling units require insurance in Brown County. Home and condo owners should at the very least have Homeowners or Condo Insurance to protect themselves against property loss or damage.

  2. With approximately 5,500 rental units in Brown County, owners of those properties tend to purchase Landlord Insurance, which protects the property as well as the landlord from potential liability claims brought by renters. Apartment complexes are covered by Business Property insurance.

  3. Tenants can protect themselves by purchasing Renters Insurance, which is substantially less expensive than homeowner's insurance because it only covers the renter’s property. Property theft/loss, vandalism, smoke, sewer backup damage, water, and fire are all covered by renters' insurance. It also protects a tenant from being held liable if someone is injured on the premises.

Discuss your Home insurance needs and options with a state-licensed Property & Casualty (P&C) insurance professional. A Texas P&C insurance agent analyzes your needs, researches viable options of coverage, explains the subtleties between the possible options, and assists you with the application process. The agent usually continues to be the client’s preferred link to the insurer, for the duration of the policy.

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Residential Insurance in Texas

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Brown County Health

In Brown County, 20% of the county’s residents do not have health insurance. It is a percentage point lower than the Texas state average (of around 21%). Among the neighboring counties, Mills County has the highest adult uninsured rate of nearly 27%, while Callahan County has the lowest with less than 19%.

Almost 21% of Brown County residents are in poor health

31% of the population of Brown County do not participate in physical exercise activities.

Around 37% of the Brown County residents are considered obese (with a BMI of 30 or more), which is significantly higher than the Texas average of 31.4%. Among the neighboring counties, Coleman County reports the lowest – at 21% of the residents. On the other hand, Callahan County has the highest at 39%.

At least 1 health insurer in Brown County offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage and almost 6,000 residents of Brown County lack this necessity.

  2. Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. This 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. If you do not have pre-existing conditions, Short term insurance may be an option. (Note: Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Discuss your health insurance needs with a knowledgeable state-licensed Texas health insurance professional with access to a variety of health insurance options available in Brown County.

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Health Insurance in Texas

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Brown County Mortality and the End of Life Statistics

The average life expectancy for the residents of Brown County is around 75.8 years old, which is lower than the Texas average of 79.2. The county with the highest average life expectancy among its neighbors is Mills County with 77.5, while the lowest is Coleman County with 73.5. 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.

In 2022 there were 7,660 seniors (65 and older) residing in Brown County.

Life Insurance Facts:

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

  2. Life insurance premiums are based on the age of the insured when the policy begins. The younger you are when you get it, the more you save in premiums over the course of the policy.

Motor Vehicle Fatalities in Brown County

Motor vehicle fatalities in Brown County statistically occur at a rate of 16.2 per 100,000 vehicles on the road: approximately 4-5 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported over 612 crashes in Brown County, with a resultant 7 fatalities. Alcohol has been determined to be the primary cause of fatal crashes in Brown County in more than 1/3 of all driving fatalities.

Final Expenses – Brown County Funeral Home Cost

The average price of a funeral in Brown County is reported at almost $8,100, which is the highest cost in the surrounding area and also higher than the Texas state average of $6,200 Among the neighbors of Brown County, Callahan County usually has the lowest funeral costs, closer to $5,500.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, over 3,000 Brown County senior residents could be placing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of.

  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 Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

To learn more about life insurance options in Brown County, speak with a knowledgeable licensed Texas life insurance professional with access to multiple insurers and types of plans.

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

Life Insurance in Texas

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