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Burnet County

Driving in Burnet County

An estimated 39,904 private and commercial vehicles call the roads of Burnet County their home.

Over 76% of adult drivers in Burnet County commute to work by themself, and close to 36% of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which can be close to 8,000 vehicles in Burnet County alone.

Auto Insurance Analysis:

  1. Almost 40 thousand vehicles registered in Burnet 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, Auto Liability, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc.

  2. Over 21 thousands drivers commuting daily is one of the reasons why auto premium costs in Burnet County tend to be higher, compared with less densely populated counties. Everyone driving a separate vehicle means that there are more vehicles on the road, which increases the likelihood of a collision. Risk goes up, so do the premium prices.

  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 consultation and advice about auto insurance in Burnet 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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Burnet County Housing

In 2022, there were approximately 25,927 housing units in Burnet County.

Even though Burnet County has almost an equal percentage between urban and rural areas, the majority of the housing units are privately owned (77%), with the remaining (23%) as rental units. The Texas-average is closer to a 62/38 split.

Comparing Burnet County to the neighbors, the highest number of renters per available housing units is in Travis County, where almost 48% of housing is for rent. Meanwhile, Lampasas County, Blanco County, and Llano County are all 77-78% owner occupied.

Housing Insurance Analysis:

  1. Almost 26 thousand housing units in Burnet County need insurance coverage. At a minimum, all of them should have Homeowners or Condo insurance, to protect their investment from loss or damage.

  2. With nearly 9 thousand housing units in Burnet County as rentals, landlords are advised to obtain Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants.

  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 Burnet County may require Renters insurance as a condition of the lease.

For consultation and advice about Homeowners insurance or Renters insurance in Burnet 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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Burnet County Health

Burnet County’s uninsured rate of nearly 21% is in line with the Texas state average. Compared to the neighbors in the area: Williamson County has the least number of residents without proper health insurance (12%), while nearly 31% of San Saba County’s residents lack this essential protection.

The lack of physical exercise is one of the major factors of poor health conditions in Burnet County, where nearly 25% of the residents do not participate in exercise activities on a regular basis.

That lack of physical exercise is reflected in the obesity of 34% of Burnet County residents.

At least 5 health insurers in Burnet County offer 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 nearly 8 thousand residents of Burnet 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): Group or Individual ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital indemnity, Accident & Health, etc.

  3. If health insurance is not being purchased due to unaffordability, low income consumers are advised to apply for government subsidies, which can substantially lower the cost of insurance.

  4. If you do not have pre-existing conditions, Short term insurance may provide an alternative saving path. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

For consultation and advice about health insurance in Burnet County contact a health insurance agent licensed in the state of Texas.

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Health Insurance in Texas

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Burnet County Mortality and the End of Life Statistics

The average life expectancy of Burnet County residents is 78.8 years old, which is lower than the Texas state-average of 79.2.

Comparing the neighboring counties: Williamson County sees the highest average life expectancy in the area, at over 82 years old, while Bell County’s expected average life span is the lowest in the area, and among the lowest in the state, closer to 72.

The highest life expectancy in 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 approximately 11,590 senior residents (65 and older) in Burnet County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have life insurance.

  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 Burnet County

Motor vehicle fatality deaths in Burnet County statistically occur at a rate of 23.84 per 100,000 vehicles on the road: 9-10 fatal crashes per year.

In 2020, Texas Department of Transportation (TxDoT) reported over 838 crashes in Burnet County, with a resultant 9 fatalities. Alcohol is determined as the main factor for the fatal crashes in Burnet County in every third of all driving fatalities.

Final Expenses - Burnet County Funeral Home Costs

The average price of a funeral in Burnet County is around $6,000, which is lower than the state-average of around $6,200.

Among the neighboring counties: Lampasas County’s funeral home average is closer to $6,100, Bell County - $6,600, Travis County - $6,900, while Williamson County - is the highest in the area, with an average of over $7,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, over 5 thousand of Burnet County senior residents could be placing the 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.

For consultation and advice about life insurance in Burnet 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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