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Caldwell County

Driving in Caldwell County

Caldwell County has an estimated 35,049 vehicles registered for both commercial and private use. These automobiles account for an estimate of 0.15% of all registered vehicles in Texas.

Daily, nearly 80% of Caldwell County drivers commute to work, and more than half of those commutes last more than 30 minutes.

More than 20% of Texas vehicles are uninsured, implying that over 7,000 Caldwell County vehicles can be either uninsured or underinsured.

Liability auto insurance is required in Texas as "proof of financial responsibility," and driving without it is illegal.

Auto Insurance Analysis:

  1. Caldwell County has nearly 40,000 registered vehicles that require auto insurance. Private automobile insurance, commercial or farm automobile insurance, commercial inland marine insurance, and other forms of insurance may be required. Auto insurance may also be affected by the type of vehicle and its intended use.

  2. Longer daily commutes may raise auto insurance rates because they increase the amount of time a driver spends behind the wheel. The more time a driver spends behind the wheel, the more likely they will be involved in a car accident. To summarize, the cost of auto insurance is influenced by the level of risk.

  3. Uninsured driver coverage is becoming increasingly important in Texas, where one out of every five drivers is uninsured or underinsured. In Texas, the annual cost of uninsured and underinsured motorist coverage exceeds $900 million.

If you need advice or assistance with Caldwell County auto insurance, contact an experienced Property & Casualty insurance agent who is licensed in Texas.

Caldwell County Housing

The housing market in Caldwell County, which has approximately 16,911 units, has more homes that are inhabited by the owners (67%) compared to renters (33%). The surrounding counties are mostly owner-occupied homes as well, with Fayette County posting the highest rate with nearly 82%, followed by Bastrop County with almost 78% homeownership rate, while Travis County has the lowest figure, with more than 52% homes with live-in owners and 48% for rent.

More than 1 in 6 housing units in Caldwell County are experiencing housing problems such as overcrowding, a lack of plumbing, and/or poor kitchen conditions.

Housing Insurance Analysis:

  1. Caldwell County has 17,000 housing units that require insurance. All housing units should be covered by homeowner's insurance to protect the owner's property from loss or damage (Homeowners or Condo). Apartment complexes are covered by Business Property insurance, while condo association buildings themselves are covered by a Business condo association insurance.

  2. Landlord Insurance should be obtained by property owners who choose to rent nearly 5,000 home units in Caldwell County. Landlord insurance protects both the property and its owner from potential liability claims from the tenants.

  3. Tenants typically purchase renters insurance to protect their belongings from potential damage or loss. The standard Renter's Insurance policy covers theft as well as damage caused by water, fire, smoke, and vandalism. Landlords may require renter's insurance as a condition of the lease.

If you need consultation and advice on Homeowners or Renters insurance in Caldwell County contact a Property & Casualty insurance agent licensed in Texas.

Caldwell County Health

Caldwell County's health insurance rating is one of the worst-rated among the rest of Texas, and it is the worst-rated among its neighboring counties. Uninsured adults and children account for approximately 26% of the population. This figure beats the Texas state average of 20.7% (in 2021) by a large margin. Among the neighboring counties, Gonzales County ranks second, with an uninsured rate of around 25%, while Guadalupe County has the lowest percentage of uninsured residents, estimated to be around 16%.

Gaines County has the highest uninsured adult rate in Texas, approaching 36% while Loving County has the lowest, around 11%.

More than 1 in 4 adults in Caldwell County have a health problem. Nearly 1/4 of the population is physically inactive, contributing to a 39% obesity rate, which is higher than the Texas average of 32% by a large gap. Bastrop County has the highest obesity rate of any peer county, at 42%, while Travis County has the lowest obesity rate in the area, at 23%.

Caldwell County has at least 5 insurers that offer affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. Almost 10,000 Caldwell County residents do not have proper health insurance, which is the most important type of insurance.

  2. Texas is one of the states that offers a wider range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-compliant Group and Individual marketplace health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.

  3. Because health insurance can be prohibitively expensive, low-income individuals should apply for government subsidies to significantly reduce the cost of insurance. If you do not have any pre-existing conditions, short-term insurance may be an option. (Note: After a full year of coverage, some multi-year short-term plans may cover specific pre-existing conditions.)

If you need advice or assistance on health insurance in Caldwell County, contact a Texas-licensed and experienced health insurance agent with access to multiple insurers.

Caldwell County Mortality and the End of Life Statistics

The average life expectancy in Caldwell County is estimated to be 77.3 years old, which is lower than the Texas average of 79.2 years old. Travis and Hays Counties have the highest life expectancy among neighboring counties, at 81.9 and 80.7 years old, respectively. On the other end of the spectrum, we find Caldwell County, which seems to have the lowest life expectancy followed by Gonzales County at 77.5.

Presidio County has the highest average life expectancy rate in the state, at 88.8 years, and with a life expectancy of 72.8 years, Donley County has the lowest average.

Caldwell County had nearly 7,000 senior residents (65 years old and older) in 2022.

Life Insurance Facts:

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

  2. Premiums for life insurance are calculated based on the insured's age at the start of the policy, so the younger you are when you buy it, the less you will have to pay in premiums over the policy period.

Motor Vehicle Fatalities in Caldwell County

Motor vehicle fatalities in Caldwell County statistically occur at a rate of 23.11 per 100,000 vehicles on the road: approximately 8 fatal crashes per year.

Caldwell County experienced 754 crashes in 2020, resulting in 13 fatal deaths, according to the Texas Department of Transportation (TxDoT). Alcohol was responsible for 1 in 5 of all traffic fatalities.

Final Expenses - Caldwell County Funeral Home Cost

Funeral costs in and around Caldwell County vary marginally. The average funeral cost in Caldwell County is reported to be closer to $6,200, making it identical to the Texas state average ($6,200). Among Caldwell County's neighbors, Travis County has the most expensive funeral cost of nearly $7,000. In contrast, Bastrop County tends to have the lowest funeral home cost, at under $5,000.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that over 3,000 Caldwell County senior residents may be putting an additional burden on their family and friends with basic funeral expenses. Instead of grieving the loss of a loved one, the family must figure out how to pay.

  2. In addition to burial costs, the deceased may have left behind taxes and debts for the surviving family to deal with.

  3. The most common life insurance policies that cover "final expenses" up to $50,000 are term life insurance and final expense insurance.

  4. The most common life insurance policies that allow money to be left to family members are Term Life Insurance and Cash Value Life, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expenses.

If you need life insurance consultation and advice in Caldwell County, contact a Texas-licensed life insurance agent who has access to multiple insurers and types of plans.