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Burleson County

Driving in Burleson County

The roads of Burleson County are home to an estimated 14,540 private and commercial vehicles. This figure accounts for approximately 0.06% of all vehicles registered in Texas.

Almost 81% of adult drivers in Burleson County commute alone to work, with more than half of those commutes lasting more than 30 minutes.

An estimated 20% of Texas drivers are uninsured, with possibly 3,000 uninsured vehicles in Burleson County alone.

Auto Insurance Analysis:

  1. Almost 15,000 registered vehicles in Burleson County are required to have insurance. The following insurance policies may be required depending on the type of vehicle and its intended use: Private Auto, Commercial Auto, Auto Liability, Commercial Transportation Inland Marine, and so on.

  2. Because everyone drives independently, there are more vehicles on the road, increasing the chances of a collision. This usually causes premiums to rise.

  3. A longer commute of nearly 48% of the county’s drivers may be affecting the cost of local auto insurance. The more time a driver spends on the road, the higher is the chance of a collision.

  4. Uninsured Driver Coverage is becoming increasingly important in Texas, where one out of every five drivers is uninsured. The cost of uninsured and underinsured motorist coverage in Texas is nearly $900 million per year.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a consultation and advice about auto insurance in Burleson County.

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Car Insurance in Texas

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Burleson County Housing

Burleson County's 9,622 housing unit market is split between homeowners (78%) and renters (22%), similar to the rest of Texas, where most homes are owner-occupied. The surrounding counties are mostly owner-occupied homes, except for Brazos County, which has 47% homeowners, making it the only county in the surrounding area where the majority of homes are rented. On the other hand, Lee County has nearly 81% homeownership, which outnumbers the Texas average (62%) by a large margin.

1 in 8 housing units in Burleson County is experiencing housing problems as a result of high housing costs, congestion, a lack of plumbing, or kitchen issues.

Housing Insurance Analysis:

  1. Almost 10,000 Burleson County housing units require insurance coverage. At the very least, they should all have Homeowners or Condo coverage to protect the owners of the property from loss or damage.

  2. With over 2,000 rental units in Burleson County, landlords of those properties are likely to obtain Landlord Insurance, which covers both their property and landlords themselves, from potential liability claims from the tenants.

  3. Renters Insurance may be obtained by tenants to protect their belongings from potential damage or loss from events such as fire, smoke, water, and vandalism. Renters insurance may be required by some Burleson County landlords as a condition of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a consultation and advice about Homeowners insurance or Renters insurance in Burleson County.

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Residential Insurance in Texas

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Burleson County Health

Although not the worst when compared to its neighbors in terms of health insurance coverage, 1 out of every 5 adults and approximately 13% of all children in Burleson County do not have health insurance coverage. Lee County has the highest adult uninsured rate among neighboring counties, at around 22%, while Brazos County has the lowest, at under 18%. In comparison, Gaines County has the highest rate of uninsured adults in Texas, at nearly 36%, while Loving County has the lowest, at 11%. In 2021, the average adult uninsured rate in Texas was around 21%.

More than one in every five adults in Burleson County has a health problem.

Over a quarter of the Burleson County population is not physically active on a daily basis.

Nearly half (almost 47%) of Burleson County residents are obese (BMI of 30 or higher), making it the highest among neighboring counties and significantly higher than the Texas average (31%). Brazos County has the lowest obesity rate among neighboring counties, affecting approximately 31% of its residents. While in Robertson and Milam Counties, more than 40% of the population is obese.

At least four health insurers in Burleson County provide affordable and frequently subsidized ACA health insurance, both on and off the state marketplace.

Health Insurance Analysis:

  1. The most significant type of insurance is health insurance, and nearly 3,000 Burleson County residents do not have it.

  2. Texas is one of the states that allow multiple types of health insurance and supplemental products, making it easier for residents to obtain coverage: Marketplace ACA health insurance, various types of short-term insurance (up to three years), hospital indemnity, accident, and other health insurance variations.

  3. If low-income residents are unable to afford health insurance, they should apply for government subsidies, which can significantly reduce the cost of coverage. Short-term insurance may be an option for you if you don't have any pre-existing conditions. (after a year of coverage, short-term insurance may cover some pre-existing conditions.)

Contact a health insurance agent licensed in the state of Texas for a consultation and advice on health insurance in Burleson County.

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Health Insurance in Texas

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Burleson County Mortality and the End of Life Statistics

Burleson County residents have a life expectancy of approximately 77.4 years, which is less than the Texas average of 79.2. Brazos County has the highest life expectancy among neighboring counties, adding nearly 4 years to Burleson County. Presidio County has the highest life expectancy in Texas, at 88.8, while Donley County has the lowest, at 72.8 years of age.

The senior population in Burleson County was approximately 4,000 people in 2022.

Life Insurance Facts:

  1. In 2021, 48% of Americans lacked any type of active life insurance policy.

  2. The premiums for life insurance are calculated based on the insured's age at the start of the policy. The younger you are when you buy it, the lower your premiums will be over the course of the policy.

Motor Vehicle Fatalities in Burleson County

In Burleson County, motor vehicle fatalities occur at a rate of 26.51 per 100,000 vehicles on the road, resulting in an average of three fatal crashes per year.

The Texas Department of Transportation (TxDoT) reported 340 crashes in Burleson County in 2020, with 6 fatalities as a result. Alcohol has been identified as the primary cause of fatal crashes in Burleson County, accounting for 2 to 3 of all driving fatalities.

Final Expenses – Burleson County Funeral Home Cost

Funeral prices in and around Burleson County vary only fractionally. The average funeral cost in Burleson County exceeds $6,000, placing it third in the surrounding area in terms of price. Brazos County funeral homes have the highest average funeral cost of nearly $6,500, while Milam County funeral homes have the lowest average funeral cost of at least $5,000. This compares with the Texas state-average of around $6,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, basic funeral costs can be an issue, placing an unnecessary and often unbearable burden on family and friends. Instead of lamenting their loss, the family must concentrate on finding a way to pay.

  2. Aside from burial costs, the deceased frequently leave behind taxes and other debts for the surviving family to deal with.

  3. The most commonly 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 products to leave money to family members are variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance.

For a consultation and advice about health insurance in Burleson County, contact a health 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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