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Childress County

Driving in Childress County

An estimated 5,588 private and commercial vehicles call the roads of Childress County their home. This number accounts for around 0.02% of all vehicles registered in the entire state of Texas.

Relatively 82% of adult drivers in Childress County commute to work by themself, and almost 12% of those commutes last for over 30 minutes.

It is projected that 20% of Texas drivers are uninsured, and about 1,200 vehicles in Childress County alone are uninsured.

Auto Insurance Analysis:

  1. Almost 5,600 vehicles registered in Childress County need insurance coverage. Liability coverage is required for all vehicles on the road to protect others from the damage you may cause in an accident. Depending on the type of vehicle and its use, the required insurance may be: Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc.

  2. 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 matters regarding your auto insurance in Childress 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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Childress County Housing

Comparable to the majority of Texas, where the homes are mostly (62%) owner-occupied, Childress County’s approximately 2,842 housing unit market is split between Homeowners (≈60%) and Renters (≈40%). The neighboring counties largely consist of homes occupied by the owners as well, with Collingsworth County leading the charts with a 75% owner-occupied rate and almost 25% of housing listed for rent. On the other end of the spectrum, Cottle County has the lowest owner-occupied rate in the region at 56%, which means that every other residential property is listed for rent.

A little over 15% of the housing units in Childress County experience housing problems, overcrowding, lack of plumbing, or issues with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Approximately 3,000 housing units in Childress County need insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from possible loss or damage.

  2. With over 1,100 housing units in Childress County as rentals, landlords obtain Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants and their guests.

  3. Tenants obtain Renters Insurance coverage to protect their belongings from possible damage or loss. Average renters’ insurance is affordable and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Childress County may include Renters insurance as a requirement of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for advice and consultation about Homeowners, Renters, Flood, Condo, and other kinds of home insurance in Childress County.

A Texas P&C Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the locally available plans that fit your needs,
  • provides you with the available options of coverage,
  • explains how the differences between the options affect you once you start using each insurance product
  • assists you with the application process
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Residential Insurance in Texas

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Childress County Health

Although not the worst among other neighboring counties, 23% of Childress County’s adult population do not have proper health insurance coverage – almost at par with the majority of Texas (≈21%). Among the neighbors, Collingsworth County has the highest adult uninsured rate (32%), while Cottle County has the lowest (22%).

The highest uninsured adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County at just 11.4%. As of 2021, the average adult uninsured rate, including children in Texas was roughly 21%.

Almost 1 in 4 adults (or nearly 1,400 residents) in Childress County report problems with health.

One key factor that contributes to poor health is the lack of physical exercise as a little over 18% of the Childress County population do not participate in it.

Around 23% of the Childress County residents are considered obese (with a BMI of 30 or more), which is lower than the Texas average of 31%. As compared to its neighboring counties, Cottle County reports the lowest – at 20% of the residents, while 34% of adults from Hardeman County have the most prevalent obesity rate.

At least 2 health insurers in Childress County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most essential insurance coverage and almost 1,400 residents of Childress County lack this necessity.

  2. Texas is among the states that allow the sale of multiple types of health insurance and supplemental health insurance. This makes it easier for Texans to obtain coverage that fits their specific needs (both medically and financially): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity insurance, Accident & Health, etc.

  3. If health insurance is not being purchased due to unaffordability, low-income consumers are generally 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 health 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)

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available to the Childress County residents.

A Texas health insurance agent: analyzes your needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process and at any time you need to make a change to the policy, or shop for a replacement coverage.

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Health Insurance in Texas

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Childress County Mortality and the End of Life Statistics

Average life expectancy for the residents of Childress County is around 75.7 years old, which is not too distant to the Texas average of 79.2. Among the neighboring counties, Hall County & Hardeman County (at 77.4 and 77.0 respectively) show longer life spans, adding about 2 years on top of Childress County and the lowest expected life span is in Collingsworth County, at more than a year shorter (74.3) than Childress County’s.

In 2022 there were over 1,100 seniors (65 and older) residing in Childress County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not have an active life insurance policy of any type.

  2. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy.

  3. About 21% of the adults in Childress County smoke, and this habit will definitely increase the life insurance premiums of these individuals by up to 4 times compared to non-smokers. A smoker’s life expectancy is deemed shorter, making them more of a risk than people who do not smoke.

Motor Vehicle Fatalities in Childress County

In 2020, the Texas Department of Transportation (TxDoT) reported about 50 crashes in Childress County, with a resultant of 1 fatality. Statistically, over 11% of all driving fatalities in Childress County involve alcohol.

Final Expenses – Childress County Funeral Home Cost

Funeral expenses in and around Childress County vary drastically. The average price of a traditional funeral in Childress County is reported at a total estimated cost of $6,500, among a few available service providers in the surrounding area. Within the neighbors of Childress County, Hall County reports a higher average funeral cost of almost $8,000, while Hardeman County families may have to spend around $7,400 for the funeral of their loved one.

In the entire state of Texas, Polk County has the highest average funeral cost at around $10,900, while Kenedy and Willacy Counties have the most affordable average, both closer to $3,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, senior residents could be placing the unwanted 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. Discuss your senior life insurance options with a state-licensed professional.

  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,several Universal Life insurance options, and Final Expense.

Contact a knowledgeable Texas-licensed life insurance agent for a consultation and advice on life insurance options available in Childress County.

A Texas life insurance agent: analyzes your needs, researches the locally available options that fit your needs, explains how the differences between the available options may affect your decision, and assists you with the application process. The use of a Texas insurance agent typically does incur additional cost to the insured.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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