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Eastland County

Driving in Eastland County

Eastland County is home to 14,943 registered commercial and private vehicles that account for roughly 0.06% of all vehicles registered in the entire state of Texas.

Approximately 78% of adult drivers commute to work alone in Eastland County, with more than one-fifth of those commutes lasting for over 30 minutes of a minimum of 5 days a week.

In 2021, about 20% of drivers in Texas did not have coverage in auto insurance, and an estimated 3,000 vehicles in Eastland County alone are either uninsured or underinsured.

Auto Insurance Analysis:

  1. Nearly 15,000 registered vehicles in Eastland County require some type of auto insurance coverage. Depending on the use and type of the vehicle, the mandated insurance may be: Farm Auto, Private Auto, Auto Liability, Inland Marine, etc.

  2. Rural roads dominate Eastland County, so the traffic is expectedly less than in . However, auto insurance costs could fluctuate because the majority of the residents drive their own cars leading up to an increase of vehicles on the road, which may risk a possible vehicular collision. To sum it up, premium prices depend on the risk.

  3. The Uninsured Driver Coverage becomes increasingly important, as 1 in 5 Texas drivers are still uninsured. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverages.

If you need guidance about auto insurance in Eastland County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Eastland County Housing

Majority of the approximately 10,565 housing units in Eastland County are homeowner-occupied (77%). This is average for the surrounding area, while higher than the state average - of closer to 62%. The neighboring counties are largely occupied by homeowners as well, with Callahan County leading 82% Homeownership rate, while Erath County has more renters, with a split of 63% owners to 37% tenants.

Over 8% of the housing units in Eastland County experience problems, such as: poor kitchen conditions, high housing costs, overcrowding, and lack of plumbing.

Housing Insurance Analysis:

  1. Over 10,000 housing units in Eastland County need home insurance coverage. Depending on the type of property, it should be covered by Homeowners or Condo Insurance. This type of insurance serves as a protection to the owner against loss or damage to their property.

  2. With an estimated 2 thousand or more rental units, Eastland County landlords are advised to obtain the Landlord Insurance, which protects the property from the possible liability claims arising from the tenants.

  3. The tenants usually get the Renter’s Insurance coverage, to protect their belongings from possible damage and loss. This type of insurance covers damages from third-party causes such as smoke, fire, water, theft, and vandalism. Some landlords may require renter's insurance as a condition, prior to signing the lease.

  4. Eastland County’s proximity to the Tornado Alley elevates its risk of being struck by a tornado. The highest probability of a tornado in Eastland County is during the months of March through June. Due to the inevitability of a disaster, it is advised to evaluate the appropriate housing insurance coverage against damage and loss.

If you need guidance about Homeowners insurance or Renters insurance in Eastland County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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Eastland County Health

Eastland County is rated as one of the worst in its neighbors in terms of health insurance coverage, with 24% of both adults and children still uninsured. This compares to around 21% average across Texas. Among its neighboring counties: Callahan County shows the lowest uninsured rate at about 18%, while Stephens County, Palo Pinto County, Comanche County, and Erath County are all similar to the 24% mark of Eastland County.

An estimated 23% of adults in Eastland County report problems with health. A sedentary lifestyle is shown to be the main factor that contributes to poor health, with 19% of the adults in Eastland County physically inactive.

Obesity affects 29% of the adult population in Eastland County, which is slightly lower than the state’s average of around 31%. Compared to the neighboring counties, Palo Pinto County ranks at the top with an obesity rate of around 41%, with Comanche County being the lowest at 24%.

There are at least 2 health insurers available in Eastland County that offer affordable and frequently subsidized ACA health insurance, in and out of the Texas marketplace.

Health Insurance Analysis:

  1. Health insurance is considered to be the most important insurance anyone should obtain, and over 3,400 Eastland County residents do not have it.

  2. Texas allows its residents to obtain multiple types of health insurance coverages, along with some supplemental products. Options for health insurance plans include: Hospital Indemnity, ACA Health Insurance (Group or Individual marketplace), Short-Term Insurance, etc.

  3. Residents who are unable to afford individual health insurance, should apply for government subsidies to help lower the cost of insurance. Consider catastrophic coverage options, in case of a medical emergency.

If you need guidance about health insurance in Eastland County contact a health insurance agent licensed in the state of Texas.

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Health Insurance in Texas

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Eastland County Mortality and the End of Life Statistics

Residents in Eastland County have an estimated average life expectancy of 75.6 years old, which is lower than the state’s average of 79.2 years old, and is the lowest among the neighbors: Shackelford County reports the highest average life span of around 82 years old, with the rest of the surrounding area in the range of 75-79.

In 2022, Eastland County had a senior (65+ y.o.) population of approximately 4,000 people.

Life Insurance Facts:

  1. 48% of Americans in 2021 did not have an active life insurance policy of any type.

  2. Life insurance premiums depend on the age of the insured, so it is advised to obtain it at a younger age - to save up more over the course of the policy period.

Motor Vehicle Fatalities in Eastland County

Fatalities resulting in motor vehicle accidents occur at a rate of 20 deadly crashes per 100,000 vehicles in Eastland County.

In 2020, the Texas Department of Transportation (TXDoT) reported a total of 427 crashes in Eastland County, with a resultant 12 fatalities. Over 20% of all fatal crashes in Eastland County are caused by alcohol involvement.

Final Expenses - Eastland County Funeral Home Costs

The average cost of a funeral in Eastland County is around $8,800, which is significantly higher than the state average of $6,200. Among the neighboring counties: Callahan County offers the lowest funeral cost of about $5,500.

Life Insurance Analysis:

  1. 46% of Americans die with life savings below $10,000, which can cause a burden to the family of the deceased. Aside from grieving the loss, the family must also find a way to pay for the funeral cost.

  2. In some cases, the deceased may leave unpaid taxes and other debts behind for the family to take care of.

  3. Term Life Insurance and Final Expense Insurance are two of the most utilized insurance policies to cover final expenses that cost up to $50,000.

  4. Term Life Insurance and Cash Value Life Insurance are two of the most widely used life insurance types to leave money to the family and friends left behind.

If you need guidance about life insurance in Eastland County, contact a life insurance agent licensed in the state of Texas.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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