In Deaf Smith, approximately 14,255 vehicles are registered for both commercial and private use. These registered vehicles account for approximately 0.06 percent of all registered vehicles in Texas.
In Deaf Smith County, approximately 8,733 adult drivers commute to work each day, with nearly one in every seven of those commutes lasting more than 30 minutes.
Over 20% of vehicles in Texas are uninsured, which means that there could be 3,000 vehicles in Deaf Smith County that are either uninsured or underinsured.
In Texas, car insurance serves as "proof of financial responsibility," and driving without it is illegal.
Auto insurance is required for over 14,000 vehicles registered in Deaf Smith County. Private auto insurance, commercial or farm auto insurance, auto liability insurance, commercial inland marine insurance, and so on are all required. Auto insurance may also be affected by the type of vehicle and its intended use.
Longer daily commutes can raise auto insurance costs because they increase the amount of time a driver spends on the road. The longer the driver is on the road, the greater the chance of a car accident. To summarize, the level of risk influences the cost of auto insurance.
The majority of Deaf Smith County residents drive alone, which increases traffic on the road and causes insurance premiums to rise.
Because one out of every five drivers in Texas is either uninsured or underinsured, Uninsured Driver Coverage is becoming increasingly important. Texans spend over $900 million per year on Uninsured and Underinsured Motorist coverage.
If you need consultation and advice regarding Auto insurance in Deaf Smith County, contact a Property & Casualty insurance agent licensed in the state of Texas.
Deaf Smith County has an estimated 7,077 housing units, with nearly two-thirds of them occupied by homeowners rather than renters. The Texas-average is closer to a 3 to 2 split between homeowners and renters respectively. Homeowners account for approximately 64 percent of all housing units, making it the area with the lowest homeownership rate among the surrounding areas. The neighboring counties are mostly made up of homeowners as well, with Oldham County topping the list with a home ownership rate of more than 78 percent.
Overcrowding, a lack of plumbing, and/or poor kitchen conditions affect nearly one in every eight housing units in Deaf Smith County.
More than 7,000 housing units in Deaf Smith County should be insured. All housing units should be covered by Homeowner's insurance to protect the owner's property from loss or damage (Homeowners, Condo, or Business Property insurance - for apartment complexes).
Over 2,500 housing units in Deaf Smith County are rented, and property owners should insure them with Landlord Insurance. Landlord insurance protects the property and the property owner from potential liability issues.
Renters Insurance is typically purchased by tenants to protect their belongings from potential damage or loss. The standard Renter's Insurance protects the property against theft and damage caused by water, fire, smoke, and vandalism. Landlords may also require Renter's insurance as a condition of the lease.
For consultation and advice regarding Homeowners insurance or Renters insurance in Deaf Smith County, contact a Property & Casualty insurance agent licensed in the state of Texas.
Deaf Smith County has one of the lowest health insurance rates in the state of Texas, and one of the worst among its neighbors. An estimated 26% of adults and children do not have health insurance. This figure exceeded the state average of 20.7 percent (in 2021). Deaf Smith County ranks third among its neighboring counties in terms of uninsured residents, with Castro County leading the way with 29 percent. Randall County, on the other hand, has the lowest uninsured rate, hovering around 13%. Gaines County, on the other hand, has the highest uninsured adult rate in the entire state of Texas, at nearly 36 percent, while Loving County has the lowest, at around 11 percent.
Almost one in every four adults in Deaf Smith County has a health problem. Around 18% of the population is physically inactive, which contributes to an obesity rate of around 26%, which is significantly lower than the Texas average of 32%. Parmer County has the highest obesity rate among its peer counties, at a startling 37 percent of its total adult population. Oldham County, on the other hand, is said to have the lowest obesity rate among its neighbors, at only 25%.
There are at least two insurers in Deaf Smith County that offer affordable and regularly subsidized ACA health insurance, in and out the state marketplace.
Deaf Smith County residents' average life expectancy is estimated to be around 77.6 years old, which is lower than the Texas state average of 79.2 years old. Among the neighboring counties, Castro County has a longer life expectancy of 79.5 years, which is nearly 2 years longer than Deaf Smith County. Presidio County, on the other hand, has the highest average life expectancy in Texas, with an average lifespan of 88.8 years. Donley County has the lowest life expectancy, with a life expectancy of 72.8 years.
Deaf Smith County had approximately 2,368 senior (65 and older) residents on record as of 2022.
In 2021, 48% of Americans did not have an active life insurance policy of any type.
Life insurance premiums are based on the insured's age at the start of the policy, so the younger you are when you get it, the less you will have to pay in premiums over the course of the policy period.
Annually, there are an estimated 5 fatal crashes that occur on the roads of Deaf Smith County, at an average rate of 18.90 per 100,000 vehicles on the road.
According to the Texas Department of Transportation (TxDoT), Deaf Smith county saw 325 crashes, with a resultant 4 fatalities as of 2020. Alcohol was the leading cause of nearly 6% of the driving fatalities.
In Texas, a traditional funeral can cost anywhere between $5,000 and $12,000, with the price including basic service fees, casket, embalming, transportation, viewing, and burial. The average funeral cost in Texas is $6,200, while the average funeral cost in Deaf Smith county is $8,600.
Among the peer counties, Randall County has the most affordable funeral services, at around $5,265 per person, while Deaf Smith County has the most expensive.
Around 46% of Americans die with less than $10,000 in life savings, which means that over 3,500 senior citizens in Deaf Smith County may be putting an unnecessary burden on their family and friends with basic funeral expenses. For example, instead of mourning the loss of their deceased loved ones, the family must find a way to pay.
Aside from the cost of the burial, the deceased may have left taxes and debts for the family to deal with.
The most frequently utilized life insurance policies that cover “final expenses” up to $50,000 are Term Life Insurance and Final Expense Insurance.
The most commonly used life insurance policies that allow to leave money to the family are: Term Life Insurance and Whole Life Insurance, especially Indexed Universal Life (IUL) Insurance and Final Expenses.
If you need consultation and advice regarding life insurance in Deaf Smith County, contact a life insurance agent licensed in the state of Texas.