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Cass County

Driving in Cass County

Cass County's roads are home to an estimated 23,481 private and commercial vehicles, which accounts for approximately 0.10% of all vehicles registered in the entire state of Texas.

Over 88% of adult drivers in Cass County drive to work alone, and more than 1 in 2 of those commutes last more than 30 minutes.

An estimated 20% of Texas drivers are uninsured, which translates to potentially nearly 5,000 uninsured vehicles on the roadways of Cass County alone.

Auto Insurance Analysis:

  1. Over 23 thousand vehicles registered in Cass County require some form of insurance. Depending on the type of vehicle and its intended use, different insurance policies may be necessary: Private Auto, Commercial Auto, Commercial Transportation, Inland Marine, and so on. Auto Liability is required for all vehicles on the Texas roads.

  2. With 1 out of every 5 drivers in Texas being uninsured, Uninsured Driver Coverage is becoming increasingly important. Uninsured and underinsured motorist coverage costs Texans nearly $900 million per year.

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

Cass County Housing

Cass County's 14,926 housing units are split 8 to 2 between owners and renters, comparable to the rest of Texas, where the majority (≈62%) of residences are owner-occupied. The neighboring counties are also predominantly owner-occupied, with Marion County having the second-highest proportion of owners, at 77%. On the other side, Bowie County has over 36% of its housing for rent.

Around 13% of housing units in Cass County are experiencing severe housing problems due to high housing costs, overcrowding, a lack of plumbing, or kitchen issues.

Housing Insurance Analysis:

  1. Cass County has almost 15,000 housing units that require insurance coverage. At the very least, all of them should have Homeowners insurance, Condo insurance coverage, and/or Business property insurance (for apartment complexes), to protect the property's owners from loss or damage.

  2. With over 3,000 rental units in Cass County, landlords should have Landlord Insurance to protect themselves against potential liability claims from renters.

  3. Tenants usually purchase Renters Insurance to protect their personal possessions from injury or loss. Renters' insurance is typically inexpensive and protects the tenant's belongings against theft and damage caused by fire, smoke, water, and vandalism. Renters insurance may be required by some landlords in Cass County as a condition of the lease.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of residential insurance in Cass County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Cass County Health

In Cass County, nearly 1 out of 6 adults (over 16%) and around 10% of all children do not have proper health insurance coverage.

Marion County has the highest adult uninsured rate among the bordering counties, at over 20%, while Bowie County is closer to Cass County, at around 17%. Gaines County has the highest rate of uninsured adults in Texas, approaching 36%, while Loving County has the lowest, closer to 11%. In 2021, the average adult uninsured rate in Texas was approximately 20.7%.

Nearly one in every five adults (over 5,000 people) in Cass County report issues with health.

More than 35% of Cass County residents do not participate in daily physical activity, over 22% of the adults smoke. and more than 46% of the county's residents are obese (with BMI 30 or higher). Morris County has the lowest obesity rate (under 33%) of the adjacent counties, and it is still significantly higher than the Texas state average of around 31 percent.

At least 2 health insurers in Cass 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 type of insurance, and nearly 4,000 Cass 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 in coverage), hospital indemnity, accident and health, and so on.

  3. If health insurance is not purchased due to cost, low-income residents should apply for government subsidies, which can significantly reduce the cost of insurance coverage. If you do not have any pre-existing conditions, Short-term insurance may be an option for you. (Note: Some recently introduced Texas short-term plans may provide coverage for select pre-existing conditions after a year or more of continuous coverage)

Contact a health insurance agent licensed in the state of Texas to discuss your options and to get advice about health insurance in Cass County. Only licensed professionals are able to make suggestions based on the assessment of your insurance needs.

Cass County Mortality and the End of Life Statistics

Residents who live in Cass County have an average life expectancy of 75.5 years, which is lower than the state's average life expectancy of 79.2 years. The rest of the counties in the area also show lower than average tendencies: Bowie County has the second-highest life expectancy among nearby counties (75.3), while Morris County has the lowest, with an average age of 74.3 years. At 88.8 years old, Presidio County has the highest life expectancy in Texas, while Donley County has the lowest, at 72.8.

In 2022, nearly 7,000 seniors (65 and older) resided in Cass County.

Life Insurance Facts:

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

  2. Life insurance premiums are calculated based on the insured's age at the start of the policy. The younger you are when you purchase it, the less you will pay in premiums over the life of the policy.

Motor Vehicle Fatalities in Cass County

Motor vehicle fatality deaths in Cass County statistically occur at a rate of 26.49 per 100,000 vehicles on the road (approximately 6 fatal crashes per year).

In 2020, the Texas Department of Transportation (TxDoT) reported 444 crashes in Cass County, with a resultant 13 fatalities. Alcohol is determined to be the primary cause of nearly 31% of all driving fatalities in Cass County.

Final Expenses – Cass County Funeral Home Cost

The cost of a funeral in and around Cass County varies significantly. Cass County's average funeral cost is generally under $5,200, placing it lowest in the surrounding area. Bowie County funeral homes charge the most on average, at over $6,600, while Marion County funeral homes costs are more in line with the state average of $6,200.

Life Insurance Analysis:

  1. Approximately 46% of Americans die with less than $10,000 in savings, which means that well over 3 thousand seniors in Cass County are potentially putting an unnecessary and often unbearable financial burden on family and friends. Instead of focusing on their loss, the family may have to focus on finding a way to pay for a funeral.

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

  3. Term Life Insurance and Final Expense Insurance are the most commonly used life insurance policies to cover "final expenses" up to $50,000.

  4. The most common life insurance policies used to leave money to the family 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 life insurance in Cass County, contact a knowledgeable Texas-licensed life insurance professional of your choice.