up button arrow
https://texasinsurance.org is a privately owned website that is not owned or operated by any government agency

Dallam County

Driving in Dallam County

The roadways in Dallam County are home to an estimated 5,727 private and commercial vehicles. This figure represents around 0.02% of all automobiles registered in the state of Texas.
In Dallam County, about 83% of drivers travel alone to work, with 15% of the commutes lasting more than 30 minutes.
One out of every five Texas drivers is estimated to be uninsured, with around 1,100 uninsured vehicles in Dallam County alone.

Auto Insurance Analysis:

  1. Dallam County has almost 6 thousand registered vehicles that need insurance. All automobiles must have Liability Insurance to protect others from the damage you may cause in an accident. Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, and other types of insurance may be required depending on the vehicle and its usage.
  2. Uninsured Driver Coverage is becoming increasingly essential in Texas, as one out of every five drivers is uninsured. Every year, Texans spend approximately $900 million for Uninsured and Underinsured Auto coverage.
    To discuss your auto insurance in Dallam County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Dallam County Housing

Dallam County had approximately 2,991 housing units in 2022. The county's housing market is split between homeowners (64%) and renters (36%), very similar to the Texas average of 62/38. The surrounding counties are mainly composed of owner-occupied homes, with Sherman County leading the group with almost 73% homeownership, followed by Moore County at nearly 66%, and Hartley County having the lowest at almost 63% homeownership.

Housing problems, overcrowding, problems with plumbing, or kitchen issues affect more than 10% of Dallam County's housing units. Housing expenses consume more than half of a household's income in around 15% of cases.

Housing Insurance Analysis:

  1. Dallam County has almost 3 thousand dwelling units that need insurance coverage. To secure the underlying financial investment from potential loss or damage, all owners of these properties should obtain Homeowners, Condo Insurance, and/or Business property Insurance (for apartment complexes).

  2. With over 1,000 rental units in Dallam County, landlords purchase Landlord Insurance, which protects the property as well as landlords from potential liability claims made by renters.

  3. Renters Insurance is purchased by tenants to protect their property from injury or loss. Renters' insurance is often affordable and covers the tenant's property against theft as well as damage caused by fire, smoke, water, and vandalism. Renters insurance may be required as a condition of the lease by some landlords in Dallam County.

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

Dallam County Health

Proper health insurance coverage rate in Dallam County is among the worst in the region. More than 34% of Dallam County adults do not have proper health insurance coverage and more than 1 out of 5 children are uninsured. Within the region, the next highest adult uninsured rate is in Sherman County, with 28% and Hartley County has the lowest adult uninsured rate of 23%.

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 around 11.4%. In 2021, the average adult uninsured rate in Texas was around 20.7%.

Almost a quarter of adults (or around 1,200 residents) in Dallam County have health issues.

Approximately 24% of the population in Dallam County does not engage in frequent physical activity.

Obesity affects roughly 28% of Dallam County residents (BMI of 30 or above), which is lower than the Texas average (≈31%). Sherman County and Hartley County have the highest obesity rate of 29% among nearby counties, while Dallam County and Moore County have the lowest figure.

At least 2 health insurers in Dallam 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 coverage for any person and about 2 thousand Dallam County residents lack this necessity.

  2. Texas is one of the states that permits the selling of various forms of health insurance and additional goods. This makes it simpler for Dallam County residents to receive coverage that meets their specific needs (both physically and financially): Marketplace ACA health insurance, several forms of Short-term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident and Health Insurance, etc.

  3. If low-income residents are unable to obtain health insurance due to cost, they are generally advised to apply for government subsidies, which can significantly lower the cost of insurance.

  4. Short-Term Insurance may be an option if you do not have any pre-existing conditions. (* After a year or more of coverage, some Texas multi-year short-term healthcare plans may cover certain pre-existing conditions.)

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 Dallam County residents.

Dallam County Mortality and the End of Life Statistics

Average life expectancy for the residents of Dallam County is around 79.3 years old, which is similar to the Texas average of 79.2. Among the neighboring counties, Hartley County shows longer life spans at 82 years, adding almost 3 years on top of Dallam County. Presidio County has the highest life expectancy in Texas, at 88.8, while Donley County has the lowest, at 72.8 years old.

In 2022 there were approximately 900 seniors (65 and older) residing in Dallam County.

Life Insurance Facts:

  1. In 2022, 47% of Americans lacked any form of active life insurance coverage.

  2. The age of the insured is one of the factors that determine life insurance rates. The younger you are when you purchase it, the more money you will save in premiums throughout the life of the policy.

  3. Almost 1 out of 5 adults in Dallam County smoke, and this habit will likely increase the life insurance premiums of these individuals by up to 4 times compared to non-smokers. Smokers have a lower life expectancy, making them more of a risk than nonsmokers.

Motor Vehicle Fatalities in Dallam County

Motor vehicle fatalities in Dallam County statistically occur at a rate of 35.95 per 100,000 vehicles on the road: approximately 2-3 fatal crashes per year.

The Texas Department of Transportation (TxDoT) reported 161 collisions in Dallam County in 2020, with three fatalities as a consequence. Alcohol is judged to be the primary cause of fatal collisions in Dallam County in around 9% of all driving fatalities.

Final Expenses – Dallam County Funeral Home Cost

Funeral expenses in and around Dallam County vary drastically. The average price of a funeral in Dallam County is around $5,900, which is the lowest cost in the surrounding area. Among the neighbors of Dallam County, Sherman and Hartley counties report the highest average funeral cost of almost $6,700, while Moore County funeral homes expenses are closer to the state’s average of $6,200.

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

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, some of Dallam County seniors may be putting an unneeded and possibly hard-to-swallow financial strain on family and friends. Instead of mourning their loss, the family must focus on how to pay for the funeral. (Note: Most funeral establishments demand that life insurance policies be "assignable" if used to pay for funeral services.)

  2. Aside from funeral expenses, the departed typically leave behind taxes and other debts for the family to deal with.

  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, Indexed Universal Life (IUL) insurance, and Final Expense.

To find out more about life insurance options in Dallam County, speak with a knowledgeable, state-licensed, and experienced life insurance professional who has access to multiple insurers for comparison.