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Calhoun County

Driving in Calhoun County

The roads of Calhoun County are home to an estimated 16,334 private and commercial vehicles. This figure accounts for approximately 0.07% of all vehicles registered in Texas.

Almost 83% of adult drivers in Calhoun County commute alone to work, with almost 1 in 5 of those commutes lasting more than 30 minutes.

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

Auto Insurance Analysis:

  1. Over 16,000 registered vehicles in Calhoun 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 raises the cost of auto insurance because it increases the amount of time a driver spends on the road and raises the chances of being involved in a car accident.

  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 consultation and advice about auto insurance in Calhoun County.

Calhoun County Housing

Calhoun County's 12,393 housing unit market is split between homeowners (73%) and renters (27%). The neighboring counties largely consist of homes occupied by owners as well, with Aransas County leading with a rate of over 80%. Victoria county, on the other hand, has the fewest live-in home owners in the area, with over 66% of housing being offered for rent.

1 in 6 housing units in Calhoun County is experiencing housing problems as a result of high housing costs, congestion, a lack of plumbing, or kitchen issues.

Housing Insurance Analysis:

  1. Over 12,000 Calhoun 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 3,000 rental units in Calhoun County, landlords should obtain Landlord Insurance, which covers both the property and potential liability claims from tenants.

  3. Renters Insurance should be obtained by tenants to protect their belongings from potential damage or loss. Renters' insurance typically protects tenants' possessions against theft and damage caused by fire, smoke, water, and vandalism. Renters insurance may be required by some Calhoun County landlords as a condition of the lease.

  4. Because of its proximity to the Gulf of Mexico, Calhoun County is one of the most likely to be impacted by a stray hurricane. In addition to being prepared and knowing what to do in the event of a hurricane, residents of Calhoun County must understand how this risk affects their home insurance coverage.

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 Calhoun County.

Calhoun 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 11% of all children in Calhoun County do not have health insurance coverage. Lee County has the highest adult uninsured rate among neighboring counties, at around 25%, while Brazos County has the lowest, at under 19%. 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%.

Nearly one out of four adults in Calhoun County has a health problem.

Approximately 22% of the Calhoun County population is not physically active on a daily basis.

Around 32% of Calhoun County residents are obese (BMI of 30 or higher), which is higher than the Texas average (31%). Refugio County has the lowest obesity rate among neighboring counties, affecting approximately 20% of its residents. While in Aransas County, around 38% of the population is obese, making it the highest in the sorrounding area.

At least 1 health insurer in Calhoun County provides 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 3,500 Calhoun 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 health insurance, and so on.

  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. (Please keep in mind that 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 Calhoun County.

Calhoun County Mortality and the End of Life Statistics

Calhoun County residents have a life expectancy of approximately 78.4 years, which is less than the Texas average of 79.2. When compared to its neighboring counties, Calhoun County has the highest rating, while the lowest would be Matagorda County with a rating of 75.9 years old. 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 Calhoun County in 2022 was nearly 4,000 people.

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 Calhoun County

In Calhoun County, motor vehicle fatalities occur at a rate of 22.36 per 100,000 vehicles on the road, resulting in around three fatal crashes per year.

In 2020, the Department of Transportation (TxDoT) in Calhoun County reported 325 crashes, with 4 fatalities as a result. Alcohol has been identified as the primary cause of fatal crashes in Calhoun County, accounting for almost 43% of all driving fatalities.

Final Expenses – Calhoun County Funeral Home Cost

Funeral prices in and around Calhoun County vary only fractionally. The average funeral cost in Calhoun County exceeds $7,000, which is significantly higher than the Texas-average of $6,200. Metagorda and Victoria Counties have funeral costs of over $7,000 .

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 consultation and advice about life insurance in Calhoun County, contact a life insurance agent licensed in the state of Texas.