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

Edwards County

Driving in Edwards County

An estimated 1,510 private and commercial vehicles are registered in Edwards County, this number represents approximately 0.01% of all vehicles registered in the entire state of Texas.

Almost 73% of adult drivers in Edwards County drive alone to work, and 156 residents commute for more than 30 minutes daily.

An estimated 20% of drivers in Texas are uninsured, with 302 automobiles alone in Edwards County being uninsured.

Auto Insurance Analysis:

  1. Over 1,500 automobiles registered in Edwards County are required to be insured. This does not include farm vehicles. Private Auto, Farm Auto, Auto Liability, Inland Marine, and other types of insurance may be necessary depending on the type of vehicle and its purpose.

  2. Rural roads make up the majority of Edwards County's roads. There is less traffic on rural roads, which means there is a lower risk of a collision. Animals getting in the way of moving cars is more common in rural settings. Deer collisions are most common in November, according to statistics. As a result, residents in Edwards County should consider obtaining Comprehensive Auto coverage, which assists in the repair of damage caused by animal strikes.

  3. Uninsured Driver Coverage is important, for there is one out of every five drivers in Texas being uninsured. Texans spend roughly $900 million each year on both uninsured and underinsured auto coverage.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a consultation and advice regarding auto insurance in Edwards County.

Texas Insurance Information Portal.svg

Car Insurance in Texas

Read more

Edwards County Housing

Edwards County has approximately 1,689 housing units. Edwards County has the greatest homeowner-occupied unit rate (almost 86%) among its neighboring counties. With a rate of near 63%, Val Verde has the lowest homeownership rate.

Almost 15% of Edwards County housing has been experiencing significant housing issues. The most common problems were excessive housing expenses, overcrowding, a lack of plumbing, or kitchen problems.

Housing Insurance Analysis:

  1. In Edwards County, over 2,000 housing units require insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from possible loss or damage.

  2. Landlords are advised to purchase Landlord Insurance for more than 250 rental units in the county. This will protect the property from any potential liability claims made by the tenants.

  3. Tenants are recommended to obtain Renters Insurance coverage. The goal of that coverage is to protect their possessions from damage or loss. This type of coverage covers a variety of damages (fire, smoke, water, and vandalism) as well as theft. Keep in mind that certain Edwards County landlords may mandate Renters Insurance as part of their lease terms.

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

Texas Insurance Information Portal.svg

Residential Insurance in Texas

Read more

Edwards County Health

With at least 1 out of every 4 adults uninsured, Edwards County has the highest uninsured rate among its bordering counties. It is higher than the Texas’ average of around 21%. Furthermore, nearly 16% of children in Edwards County do not have access to health insurance. Kinney County has the lowest uninsured adult rate of its adjacent counties, at nearly 19%.

More than 1 in 4 people in the county is suffering from health issues, accounting for more than 380 residents of Edwards County.

One of the factors that contributes to poor health is a lack of participation in any type of physical activity, and 25% of Edwards County people do not engage in it.

The county's obesity rate is around 22% (with a BMI of 30 or above), which is lower than the Texas average of 32%. In comparison to its neighbors, Uvalde County has the highest rate of 36%, while Real County has the lowest rate of 20%.

There is at least 1 health insurer in Edwards County that offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Unfortunately, over 26% of Edwards County residents do not have health insurance, which is regarded to be the most important type of insurance coverage someone must obtain.

  2. Fortunately, Texas citizens have access to a variety of health insurance options as well as supplemental product coverage. In Edwards County, health insurance options include ACA Marketplace Health Insurance, Short-Term Insurance (up to three years of coverage), Hospital Indemnity, Accident and Health, and many others.

  3. For those Texans who cannot afford health insurance, there are government subsidies available to assist low-income individuals in obtaining coverage by significantly cutting the costs.

  4. If you do not have pre-existing conditions, Short term insurance may provide an alternative saving path. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Discuss your health insurance requirements with a state-licensed Texas health insurance agent who has access to a wide range of health insurance options in Edwards County.

An Texas Health Insurance Agent:

  • examines your requirements and constraints,
  • investigates the plans available in your area that meet your requirements,
  • offers you with the coverage alternatives that are accessible to you,
  • aids you in the application procedure

The services of a Texas insurance agent does not affect the cost of your insurance.

Texas Insurance Information Portal.svg

Health Insurance in Texas

Read more

Edwards County Mortality and the End of Life Statistics

Edwards County residents have a life expectancy of 78 years, which is close to the Texas average of 79.2 years. Sutton County has the longest life expectancy of 83.3 years when compared to its neighboring counties, while Kimble County has the shortest (75.3 years).

In 2022, there were nearly 600 senior residents in Edwards County.

Life Insurance Analysis:

  1. In 2021, 48% of Americans were found to be without any form of active life insurance policy.

  2. The age of the insured when they apply for and are accepted for a life insurance policy has a significant impact on the premium. Locking in the premium price at a younger age is strongly recommended because it can save the insured money over the term of the policy.

Motor Vehicle Fatalities in Edwards County

The Texas Department of Transportation (TXDoT) reported 26 collisions in Edwards County in 2020, with no confirmed fatalities. With a 20% rate, alcohol is considered to be the primary cause of fatal collisions in Edwards County.

Final Expenses - Edwards County Funeral Home Costs

The cost of a funeral in Edwards County varies greatly. While the average cost of a burial across Texas is $6,200, in Edwards County, the average cost of a funeral is closer to $2,400. Sutton County has the highest average funeral cost of $3,500 among the adjacent counties. Kerr County, on the other hand, has the lowest average cost of $1,300.

Life Insurance Analysis (continued):

  1. Unfortunately, roughly 46% of Americans die with less than $10,000 in savings. Basic funeral expenditures can be a sudden and (sometimes) painful strain on both family and friends, thus this can be a major concern. This keeps people from grieving and forces them to find a means to compensate for their loss.

  2. Aside from the burial fees, the departed frequently leave unpaid taxes and other debts for the family to deal with.

  3. When it comes to paying "Final expenses" up to $50,000, the most common forms of insurance plans are Term Life and Final Expense insurance.

  4. There are various forms of insurance plans that might assist the persons left behind by the deceased by giving financial support. Variations of Term Life Insurance and Whole Life Insurance, Indexed Universal Life (IUL) insurance and Final Expense insurance can be used to create such life insurance policies.

For a consultation and information on life insurance choices in Edwards County, contact a licensed life insurance agent in the state of Texas.

A Life Insurance Agent in Texas:

  • examines your personal and financial requirements,
  • investigates the insurers who offer the finest solutions for your needs,
  • explains how the various options affect you and your beneficiaries,
  • aids you in the application procedure

The use of a Texas insurance agent is typically free of charge to the policyholder.

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

Life Insurance in Texas

Read more