Camp County
Driving in Camp County
Camp County has an estimated 10,335 private and commercial vehicles registered, accounting for approximately 0.04 percent of all vehicles registered in the state of Texas.
Almost 80% of adult drivers in Camp County drive alone to work, with more than 1 in 4 residents commuting for more than 30 minutes at least 5 days a week.
An estimated 20% of Texas drivers are uninsured across the state, with over 2,000 vehicles uninsured in Camp County alone.
Auto Insurance Analysis:
Over ten thousand vehicles registered in Camp County are required to have insurance. This does not include farm auto equipment. Depending on the type of vehicle and its intended use, the following insurance may be required: Private Auto, Farm Auto, Auto Liability, Inland Marine, and so on.
The majority of Camp County's roads are in rural areas. Rural roads have less traffic and a lower risk of a collision. Meanwhile, animals are more likely to get in the way of moving cars in rural areas. According to statistics, the month of November has the highest number of deer collisions. As a result, Camp County residents should consider Comprehensive Auto coverage, which aids in the repair of damage caused by an animal collision.
Uninsured Driver Coverage is essential for auto insurance because one out of every five drivers in Texas is uninsured. The total cost of paying for both uninsured and underinsured auto coverage by Texans has risen to nearly $900 million per year.
Contact a Texas-licensed Property & Casualty (P&C) insurance agent for consultation and advice on auto insurance in Camp County.
Camp County Housing
Camp County had approximately 5,907 housing units as of 2022. The county's housing market is divided into two segments: homeowners (72%), and renters (28%). The surrounding counties are also mostly made up of owner-occupied homes, with Wood County leading the way with over 80% homeownership and Titus County closing in last with nearly 67% homeownership.
Almost 15% of Camp County's housing stock had severe housing issues. The most common problems were related to high housing costs, overcrowding, a lack of plumbing, or kitchen issues.
Housing Insurance Analysis:
Almost 6,000 housing units in Camp County require insurance. Because the majority of houses in the county are owner-occupied, those units should be protected by Homeowner's Insurance, which protects the owners from loss or damage.
Landlords are strongly advised to obtain Landlord Insurance in light of the nearly 1700 rented units. This will protect the property from potential liability claims made by their tenants.
As for the tenants, they are advised to get Renters Insurance coverage. The purpose of that coverage is to protect their belongings from possible damage or loss. Additionally, that type of insurance will also cover various types of damages (fire, smoke, water, and vandalism) and theft. Do take note that a Renters Insurance may be required by some landlords operating in Camp County as part of their lease conditions.
For consultation and advice about Homeowners insurance or Renters insurance in Camp County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
A Texas Property and Casualty Insurance Agent:
- examines your requirements and constraints,
- investigates the locally available plans that meet your requirements,
- provides you with the coverage options that are available,
- explains how the differences in the options will affect you once you begin using each insurance product
- helps you with the application procedure
- This has no bearing on the cost of your insurance. (The insurer usually pays for the agent's services.)
Camp County Health
Although not the worst when compared to its neighbors in terms of health insurance coverage, more than one out of every four adults in Camp County does not have adequate health insurance coverage. Furthermore, approximately 11% of children in Camp County do not have health insurance coverage. Titus County has the highest adult uninsured rate among the neighboring counties at 25%, while Franklin County has the lowest, with 17% of adults uninsured. Gaines County has the highest uninsured adult rate in Texas, at nearly 36%, while Loving County has the lowest rate, at 11.4%. The average adult uninsured rate in Texas was around 20.7% in 2021.
There are more than one in every four people in the county who report problems related to poor health. When converted to numbers, that equates to nearly 2,280 people.
Physical inactivity is one factor that contributes to poor health, as 24 percent of Camp County residents do not engage in it.
The county's obesity rate is around 21% (with a BMI of 30 or higher), which is lower than the Texas average of 32%. When compared to its neighboring counties, Camp County has the lowest obesity rate, with Wilbarger County having the highest at 34%.
In Camp County, there is only one health insurer that offers affordable and frequently subsidized ACA health insurance, both on and off the state marketplace.
Health Insurance Analysis:
Unfortunately, almost 20% of Camp County residents lack health insurance coverage, which is considered the most important insurance any person should have.
Fortunately enough, Texas allows multiple types of health insurance coverages for its residents, alongside supplemental products coverage. Health insurance plans that can be found in Camp County include: Marketplace ACA Health Insurance, Short-Term Insurance, Hospital Indemnity, and many other variations.
For those Texans who may think they cannot afford to purchase health insurance coverage, there are government subsidies that can help low-income consumers to get health insurance coverage by substantially lowering the costs. Don’t get caught in a medical emergency without at least emergency type coverage.
For consultation and advice about health insurance in Camp County contact a health insurance agent licensed in the state of Texas.
A Texas Property and Casualty Insurance Agent:
- examines your requirements and constraints,
- investigates the locally available plans that meet your requirements,
- provides you with the coverage options that are available,
- explains how the differences in the options will affect you once you begin using each insurance product
- helps you with the application procedure
- This has no bearing on the cost of your insurance. (The insurer usually pays for the agent's services.)
Camp County Mortality and the End of Life Statistics
The life expectancy of a Camp County resident is 76.3 years old, which is lower than the Texas average of 79.2 years old. When compared to its neighboring counties, Camp County ranked 4th with the highest rating, while the lowest would be Morris County with a rating of 74.3 years old.
In 2022, there were approximately 2,500 senior citizens (65 years old and older) residing in Camp County.
Life Insurance Facts:
48% of Americans in 2021 did not have any type of active life insurance policy.
Life insurance premium heavily depends on the age of the insured when they apply and get accepted for the policy. It is highly advised to lock in the premium price at a younger age as it can provide more savings for the insured over the course of the policy.
Motor Vehicle Fatalities in Camp County
Motor vehicle fatalities occur at a rate of nearly 26 per 100,000 vehicles on the road in Camp County. According to statistics, this equates to 2-3 fatal crashes per year.
However, in 2020, Texas Department of Transportation (TXDoT) in Camp County reported 140 crashes, where 5 of them resulted in 6 fatalities(doubling it’s statistical rate). Alcohol is determined as the main factor for the fatal crashes in Camp County in every 3rd driving fatality.
Final Expenses - Camp County Funeral Home Costs
Funeral costs in and around Camp County vary slightly. The average cost of a funeral in Camp County is reported to be nearly $6,000, which is comparable to the state average of around $6,200 and the nearby Morris, Wood, and Franklin counties. Upshur has the highest funeral costs among the surrounding areas, with closer to $7,000.
Life Insurance Analysis:
With 46 % of Americans dying with less than $10,000 in savings, this can be a major issue because basic funeral costs can be an unexpected and (often) unbearable burden on both family and friends. This prevents them from properly grieving, because instead they must think of how the costs will be covered.
Aside from burial expenses, the deceased frequently leave unpaid taxes and other debts for the family to deal with.
When it comes to covering "final expenses" of up to $50,000, term life insurance and final expense insurance are the most commonly used types of insurance policies.
There are various types of insurance policies that can assist those left behind by the deceased by providing financial assistance. Such life insurance policies can be variations of Term Life Insurance and Whole Life Insurance.
For consultation and advice about life insurance in Camp County, contact a life insurance agent licensed in the state of Texas.
