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Concho County

Driving in Concho County

An estimated 2,237 private and commercial autos travel Concho County's roadways. Over 81% of Concho County adult drivers commute alone to work.

It is unlawful to drive in Concho County, as well as the entire state of Texas, without automobile insurance, which serves as evidence of financial responsibility. Over 20% of Texas drivers are uninsured at the state level while 400 automobiles are expected to be uninsured in Concho County alone.

Auto Insurance Analysis:

  1. More than 2,000 vehicles registered in Concho County need insurance coverage. The type of auto insurance a car requires is determined by the vehicle's intended use: Private Auto, Commercial Auto, Auto Liability, Commercial Inland Marine, and other types of vehicle insurance are all options to consider.

  2. Uninsured Driver Coverage is becoming increasingly critical in Texas, where 1 out of every 5 drivers is uninsured. Uninsured and underinsured motorist coverage costs Texans approximately $900 million each year.

For consultation and advice about auto insurance in Concho County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Concho County Housing

There are approximately 1,671 housing units in Concho County, of which roughly 75% are homeowner-occupied. Renters occupy the other 25%. This means that the distribution of housing is quite unbalanced, like most other counties in Texas where owners are the overwhelming majority of occupants. Concho County has the highest homeownership rate among its neighboring counties, with 75% of residents owning a home. The neighboring counties are mostly made up of owner-occupied dwellings as well. With about 74% of homeowners living in their homes, Coleman County is the next highest, Tom Green County has the least homeowner-occupied homes, with less than 63%.

In Concho County, about 10% of housing is in poor condition due to housing problems, overcrowding, lack of plumbing, or issues with the kitchen, and in 5% of homes, the family residing on the property spends more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Concho County is in need of insurance for over 1,600 dwelling units. Homeowners or condo owners should have Homeowners or Condo Insurance to protect themselves against property loss or damage.

  2. For the approximately 400 rental units, Landlord Insurance is generally advised. Landlord insurance protects from liability claims, the loss of rental income, and much more.

  3. Renters Insurance, which is significantly less expensive than homeowner's insurance, is the way for tenants to protect themselves. Renters' insurance covers property from theft/loss and vandalism, as well as smoke, sewer backup damage, water, and fire. It also shields a renter from liability if someone is hurt on the property.

Discuss your Home insurance needs and options with a state-licensed Property & Casualty (P&C) insurance professional.

Concho County Health

Concho County, like the vast majority of Texas counties, has a sizable uninsured population. Concho County citizens under the age of 65 make up about 22% of those without health insurance, which is worse than the Texas average of closer to 21%.

At approximately 26%, Coleman County has the highest uninsured percentage among neighboring counties. Tom Green County, with an uninsured rate of just under 18%, is the neighbor with the lowest percentage.

Over 600 Concho County individuals reported fair or poor health in 2022.

At least 4 health insurers in Concho 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 insurance coverage for anyone, and nearly 400 non-seniors, including children, in Concho County do not have it.

  2. Texas allows for a wide range of health insurance policies, making it easy for consumers to get coverage. There are options for ACA Marketplace Health Insurance, Short-Term Insurance, Hospital Indemnity, Accident and Health, which are the types of health insurance.

  3. If low-income consumers are unable to purchase health insurance due to the high cost, they should apply for government subsidies, which can drastically reduce the cost of insurance.

Contact a health insurance agent licensed in the state of Texas for a consultation and guidance on health insurance in Concho County.

Concho County Mortality and End-of-Life Statistics

Concho County citizens live an average of 80.8 years, which is higher than the Texas average of 79.2 years and the highest among its neighboring counties. Tom Green County has the next longest life expectancy among the neighboring counties, at 77.8 years. The county with the lowest life expectancy is Coleman County, which has a 73.5-year life expectancy.

In 2022, Concho County had a senior population of roughly 700 residents.

Life Insurance Facts:

  1. Life insurance premiums are based on the insured's age at the start of the policy. You will save more money in premiums over the term of the policy if you get it when you are younger.

  2. 48% of Americans did not have life insurance in 2021.

Motor Vehicle Fatalities in Concho County

In Concho County, there are approximately 0 fatalities per 100,000 vehicles on the road. This equates to 0 fatal collisions each year on average.

Final Expenses – Concho County Funeral Home Cost

In Concho County, the average funeral cost is around $4,700 - $5,000. This is a lot less than the average funeral cost in Texas, which is around $6,200. Compared with the neighbors: Tom Green County funeral home prices are usually higher, in the range of $7,700-$8,000.

Life Insurance Analysis (continued):

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a simple burial can become a problem, putting an unwelcome and often awful strain on family and friends. Rather than grieving, the family must concentrate on determining how to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

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

  3. The most often used life insurance policies to cover "last 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 the family 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 Concho County, contact a life insurance agent licensed in the state of Texas.