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Clay County

Driving in Clay County

Clay County's roadways are traveled by an estimated 8,313 private and commercial vehicles. This amount roughly equates to approximately 0.04% of all vehicles registered in the state of Texas.

Adult drivers in Clay County commute alone at a rate of more than 84%, and 1 in 4 of these drivers spend more than 30 minutes each trip.

There are various obligations associated with driving. Having appropriate insurance is one of them. 20% of drivers in Texas are considered uninsured, which could result in over 1,600 uninsured vehicles in Clay County alone.

Auto Insurance Analysis:

  1. Insurance is necessary for Clay County's approximately 8,000 registered vehicles. The type of insurance is decided by the vehicle's categorization and intended use. Numerous types of insurance are available in Texas. It may contain coverage for Private Auto, Commercial Auto, Auto Liability, Commercial Transportation Inland Marine, among many others.

  2. The daily commute of over 2,000 drivers is one of the reasons that auto premiums in Clay County tend to be higher than in less densely populated counties.

  3. Automobile insurance coverage, such as Uninsured Driver Coverage, are necessary for Texas, where one out of every five drivers is uninsured. Texas residents now spend roughly $900 million each year on uninsured and underinsured driver coverage combined.

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

Clay County Housing

Clay County’s approximately 5,388 homes are mostly owner-occupied (84-85%), compared with a Texas average of closer to 62%. There are almost five times more homes with live-in owners than there are rental units. The neighboring counties are also predominantly owner-occupied. Clay County leads the way with over 85% owners, while Wichita County offers the highest portion of its housing units for rent (60% - owners, 40% - renters).

1 in 8 housing units in Clay County experiences major housing issues due to high housing costs, overcrowding, a lack of plumbing, or kitchen issues.

Housing Insurance Analysis:

  1. More than 5,000 residential units in Clay County should be insured. At the very least all owners need to insure their investments by maintaining Home Insurance with adequate coverage (Homeowners of Condo), and/or Business property insurance (for apartment complexes), to protect themselves against loss or damage.

  2. With over 4,700 rentals in Clay County, Landlord Insurance is recommended for all owners of those properties. This safeguards both the property and potential liability claims.

  3. Landlords often require renters insurance in Clay County. Tenants are advised to obtain Renters Insurance to protect their personal belongings from damage or loss. Theft and damage caused by fire, smoke, water, and vandalism are frequently covered under standard renters' insurance policies.

For consultation and advice, contact a licensed Property & Casualty (P&C) insurance agent to learn more about the Homeowners’ or Renters insurance in Clay 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
  • does not affect your cost of insurance. (agent’s service is usually paid by the insurer)

Clay County Health

When it comes to health insurance, approximately 19% of adults and 13% of the children in Clay County are uninsured. Clay County is doing better than the state average of around 21% uninsured adults in 2021. Among the adjacent counties, Jack County has the highest adult uninsured rate, of almost 25%. While Wichita County beats Clay County’s numbers, with less than 19% uninsured adults.

The highest uninsured rate in Texas is in Gaines County, at over 35%, and the lowest is in Loving County, under 12%.

Around 31% of Clay's population is physically inactive, increasing the county's risk of health concerns. About one in every five people suffers from health problems. As a result, Clay County has the third-highest obesity rate in the bordering counties, with almost 34% of residents obese (BMI greater than 30), much higher than the Texas average of 31.4 percent. On the other hand, Jack County, with a 25% obesity rate, has the lowest obesity rate of the adjacent counties.

Clay County has at least 1 insurer that offers both on and off-state marketplace affordable and regularly subsidized Affordable Care Act (ACA) health insurance.

Health Insurance Analysis:

  1. Health insurance is the most important type of insurance to have, and over 1,500 people in Clay County lack it.

  2. In Texas, residents can choose from a number of health insurance and supplemental products, including ACA Marketplace health insurance, many forms of Short-term insurance (with up to three years of coverage), Hospital Indemnity, Accident & Health, and many others.

  3. If health insurance is not being purchased due to unaffordability, low income consumers are advised to apply for government subsidies, which can substantially lower the cost of insurance. If you do not have pre-existing conditions Short-term insurance may help you save money. (Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Contact a registered health insurance agent in Texas for consultation and guidance on the various health insurance options available in Clay County.

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,
  • explains how the differences between the options affect you once you start using each insurance product
  • assists you with the application process
  • does not affect your cost of insurance. (agent’s service is paid by the insurer)

Clay County Mortality and the End of Life Statistics

Clay County residents have an average life expectancy of about 77.2 years, which is lower than Texas’ average of 79.2 years. Between the nearby counties, Archer County has a longer life duration being 80.8 years. While Wichita County has the second-highest average life expectancy at 75.4, Montague County has the lowest average life expectancy of 74.4 years.

In 2022, Clay County had a senior population of around 2,507 people (aged 65 and above).

Life Insurance Facts:

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

  2. Life insurance premiums are determined by the insured's age at the time the policy is purchased. When you purchase it, the younger you are, the more money you will save over the duration of the policy.

Motor Vehicle Fatalities in Clay County

Clay County has a rate of 24.74 motor vehicle fatalities per 100,000 vehicles on the road. This amounts to around two fatalities each year.

In 2020, the Texas Department of Transportation (TxDoT) reported over 217 vehicle collisions in Clay County, resulting in 5 fatalities.

Alcohol is one of the most common reasons for car accidents. In Clay County, over 29% of driving fatalities are determined to be caused by alcohol.

Final Expenses – Clay County Funeral Home Cost

In Texas, a classic funeral might cost between $5,000 to $12,000, which includes the basic service charge, transportation, casket, embalming, viewing, and burial. The average funeral in Texas costs approximately $6,200, which is more than the average service in Clay county, which costs approximately $5,300. Among the neighbors, Archer County and Wichita County funeral facilities provide comparable typical funeral costs in Texas, starting at roughly $6,600.

Life Insurance Analysis:

  1. For the 46% of Americans who die with less than $10,000 in savings, the main cost of their funeral can be a problem. This can put a lot of stress on family and friends. Instead of mourning their loss, the family must figure out how to pay.

  2. Aside from burial expenditures, the deceased may also leave their families with debts or taxes that need to be paid.

  3. Term life insurance and Final expense insurance are the two most common types of life insurance that can cover "last expenses" up to $50,000.

  4. The most commonly used life insurance policies to leave money to the family are the Term Life Insurance and Cash Value life insurance, like Whole Life insurance, Indexed Universal Life (IUL), and Final Expense insurance.

For consultation and guidance regarding life insurance in Clay County, contact a life insurance licensed agent in the state of Texas.