Delta County
Driving in Delta County
Delta County's roads are home to an estimated 4,229 private and commercial vehicles.
Over 89% of adult drivers in Delta County drive alone to work, and nearly 51% of those commutes last more than 30 minutes.
It is estimated that 20% of Texas drivers are uninsured, which could amount to more than 800 vehicles in Delta County alone.
Auto Insurance Analysis:
Over 4000 vehicles registered in Delta County require insurance coverage. Private Auto, Commercial Auto, Auto Liability, Comprehensive Coverage, Commercial Transportation, Inland Marine, and other types of insurance may be required depending on the type of vehicle and its use.
The majority of Delta County's roads are in rural areas. Rural roads have less traffic and a lower risk of a collision. Meanwhile, animals are more likely to get in the way of moving cars in rural areas. The majority of animal-related crashes in Texas occur twice a day, from 5-8 a.m. and again from 6 p.m. to midnight. In November, there is the greatest chance of colliding with a deer. As a result, Delta County residents should consider Comprehensive Auto coverage, which aids in the repair of damage caused by an animal collision.
With one out of every five drivers in Texas being uninsured, Uninsured Driver Coverage is becoming increasingly important. Uninsured and underinsured motorist coverage costs Texans nearly $900 million per year.
Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for consultation and advice on auto insurance in Delta County.
Delta County Housing
Delta County had approximately 2,523 housing units in 2022.
Despite the fact that Delta County has a nearly equal proportion of urban and rural areas, the majority of housing units (78%) are privately owned, with the remainder (22%) being rental units. The average in Texas is closer to a 62/38 split.
When comparing Delta County to its neighbors, Mason County has the highest number of renters per available housing unit, with over 29% of housing for rent. In the meantime, Lampasas, Delta, and Llano counties are all 77-78% owner occupied.
Housing Insurance Analysis:
Delta County has nearly 3,000 housing units that require insurance coverage. To protect their investment from loss or damage, they should all have Homeowners or Condo insurance. Apartment complexes and condo associations are covered by Business Property insurance.
With nearly 600 rental units in Delta County, landlords are advised to obtain Landlord Insurance, which covers the property as well as potential liability claims from tenants.
Tenants should obtain Renters Insurance to protect their belongings from potential damage or loss. Renters' insurance is typically inexpensive and covers the tenant's property against theft and damage caused by fire, smoke, water, and vandalism. Some Delta County landlords may require Renters insurance as a condition of the lease.
Contact a Property & Casualty (P&C) insurance agent in Delta County for consultation and advice on Homeowners insurance or Renters insurance.
Delta County Health
Delta County's uninsured rate of about 19% is slightly lower than the Texas state average of 21%. In comparison to its neighbors, Delta County and Lampasas County have the fewest residents without proper health insurance, while approximately 29% of Mason County residents lack this essential protection.
Physical inactivity is one of the major causes of poor health in Delta County, where 21% of residents do not participate in exercise activities on a regular basis.
Obesity affects 29%of Delta County residents due to a lack of physical activity.
At least 1 health insurer in Delta County offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.
Health Insurance Analysis:
Health insurance is the most important type of insurance, and nearly 800 Delta County residents do not have it.
Texas is one of the states that permits the sale of a variety of health insurance and supplemental products. This makes it easier for Texans to find coverage that meets their specific needs (both medically and financially): Group or individual ACA health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.
If health insurance is not purchased due to cost, low-income consumers should apply for government subsidies, which can significantly reduce the cost of insurance.
If you do not have any pre-existing conditions, short-term insurance may be an option for you. (* After a year or more of coverage, some Texas multi-year short term health insurance plans may cover certain pre-existing conditions.)
Contact a health insurance agent licensed in the state of Texas for consultation and advice on health insurance in Delta County.
Delta County Mortality and the End of Life Statistics
Delta County residents have a life expectancy of 74.6 years, which is lower than the Texas state average of 79.2.
When comparing neighboring counties, Mason County has the highest average life expectancy in the area, at over 81 years old, while Delta County has the lowest average life expectancy in the area, and one of the lowest in the state.
Presidio County has the highest life expectancy in Texas, at 88.8, while Donley County has the lowest, at 72.8 years.
Delta County had approximately 1,127 senior residents (65 and older) in 2022.
Life Insurance Facts:
In 2021, 48% of Americans lacked life insurance.
Life insurance premiums are calculated based on the insured's age at the start of the policy. The younger you are when you purchase it, the less you will pay in premiums over the life of the policy.
Motor Vehicle Fatalities in Delta County
In Delta County, motor vehicle fatalities occur at a rate of 35.24 per 100,000 vehicles on the road.
The Texas Department of Transportation (TxDoT) reported 58 crashes in Delta County in 2020, with no fatalities. In Delta County, on average, alcohol is determined to be the primary cause of fatal crashes in one-third of all driving fatalities.
Final Expenses - Delta County Funeral Home Costs
Delta County's average funeral cost is around $6,000, which is less than the state average of around $6,200.
Among the neighboring counties, Mills County has a funeral home average closer to $5,100, Lampasas County has a funeral home average closer to $6,100, Burnet County has a funeral home average closer to $6,000, and Mason County has the highest in the area, with an average of more than $9,200.
Life Insurance Analysis:
With 46 percent of Americans dying with less than $10,000 in savings, over 1,000 Delta County senior residents may be putting an unnecessary and frequently unbearable financial burden on family and friends. Instead of focusing on their loss, the family must focus on finding a way to pay. (Note: If paying for funeral services with life insurance, most funeral homes require the policy to be "assignable.")
Aside from burial expenses, the deceased frequently leave behind taxes and other debts for the family to deal with.
Term Life Insurance and Final Expense Insurance are the most commonly used life insurance policies to cover "final expenses" up to $50,000.
The most common life insurance policies used to leave money to heirs are variations of Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense insurance.
Contact a life insurance agent licensed in the state of Texas for consultation and advice on life insurance in Delta County.
