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Falls County

Driving in Falls County

Falls County has approximately 13,571 registered vehicles for both commercial and personal use. These vehicles account for about 0.06 percent of all registered vehicles in Texas.
Almost 80% of Falls County drivers commute alone to work every day, with more than half of those commutes lasting more than 30 minutes.
Approximately 20% of Texas vehicles are uninsured. Because of this, Falls County may have nearly 3,000 uninsured or underinsured vehicles.
In Texas, having liability car insurance is required as "proof of financial responsibility," and driving without it is illegal.

Auto Insurance Analysis:

  1. Auto insurance is required for nearly 14,000 vehicles in Falls County. Private Auto Insurance, Farm Auto Insurance, Commercial Inland Marine insurance, and other types of insurance may be obtained. The type of vehicle and its intended use may also have an impact on auto insurance.

  2. The large bulk of the roads in Falls County are in rural areas. Rural roads are less congested and usually have a lower risk of collision. Meanwhile, in rural areas, animals are more likely to obstruct moving cars. In Texas, the majority of animal-related crashes happen twice a day, between 5-8 a.m., also starting at 6 p.m. until 12 p.m. The likelihood of colliding with a deer is highest in November. As a result, Falls County residents should consider Comprehensive Auto coverage, which assists in the repair of animal-related damage.

  3. Uninsured Driver Coverage remains increasingly important in Texas because one out of every five drivers is uninsured or underinsured. Every year, Texans spend nearly $900 million on Uninsured and Underinsured Motorist coverage.
    If you need Auto insurance in Falls County, contact a Texas-licensed Property & Casualty insurance agent.

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Car Insurance in Texas

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Falls County Housing

The housing market in Falls County, which has approximately 7,824 units, is divided between homeowners (72%) and renters (28%). This is consistent with the rest of Texas, where the vast majority of homes are occupied by their owners (≈62%). The surrounding counties are mostly made up of owner-occupied homes as well, with Robertson County having the highest homeownership rate with more than 76%, followed by Limestone County with more than 74%. Bell County, on the other hand, has the lowest rate of homeownership, at 54% — meaning that nearly every other dwelling unit in Bell County is a rental.

Overcrowding, a lack of plumbing, and/or subpar kitchen conditions affect nearly one in every six housing units in Falls County.

Housing Insurance Analysis:

  1. With nearly 8,000 housing units in need of insurance coverage in Falls County, owners of these properties usually get one of the following:

    • Homeowners,
    • Condo, or.
    • Business Property Insurance (for apartment complexes).
  2. Falls County has over 2,000 rental units, the owners of which could get Landlord’s Insurance. This coverage protects both the property and the owner from potential liability claims from tenants.

  3. Tenants typically purchase Renters Insurance to protect their belongings from potential damage or loss. The standard Renter's Insurance policy covers theft as well as water, fire, smoke, and vandalism damage. Landlords may require Renter's Insurance as a condition of the lease.

Contact a Property & Casualty insurance agent licensed in the state of Texas for consultation and advice on Homeowners insurance or Renters insurance in Falls County.

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Residential Insurance in Texas

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Falls County Health

Falls County's health insurance rate is second of the worst-rated among its peer counties, with around 21.4% of adults and 12% of children not having proper health insurance coverage. This figure is higher than the 20.7% state average (in 2021). Limestone County has the highest uninsured rate among the neighboring counties with around 22.6% of its residents lacking proper health insurance. Bell County, in contrast, has the lowest rate of uninsured residents, under 17%. Gaines County has the highest rate of uninsured adults in Texas, at roughly 36%, while Loving County has the lowest, around 11%.

More than 1 out of 4 adults in Falls County has a health problem, and almost 20% of the population does not engage in physical activity, contributing to 29% of the population being obese — a figure that is lower than the Texas average of 32%. Limestone and Robertson Counties have the highest obesity rate of any peer county, both at 42%. On the other end of the spectrum is Falls County with the lowest obesity rate, followed by Bell County at33%.

In Falls County, at least 4 insurers provide affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. The most important type of insurance is health insurance, and more than 3,000 Falls County residents do not have it.

  2. Texas is one of the states that offer a broader range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-Compliant Group or Individual Marketplace Health Insurance, various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident and Health Insurance, and so on.

  3. Health insurance can be prohibitively expensive, particularly for those with low incomes, so they are advised to apply for government subsidies, which can significantly reduce the cost of insurance. Short-Term Insurance may be an option if you do not have any pre-existing conditions. (Keep in mind that some multi-year short-term plans may cover specific pre-existing conditions after a full year of coverage.)

If you need consultation and advice on health insurance in Falls County, contact a knowledgeable Texas-licensed health insurance agent with access to multiple options of coverage.

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Health Insurance in Texas

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Falls County Mortality and the End of Life Statistics 

Falls County's average life expectancy is estimated to be nearly 77.8 years old, which is shorter than the Texas state average of 79.2 years old. Bell County has the longest life expectancy among the neighboring counties, at 78/2 years old, followed by McLennan County (77.8). Limestone County, on the other hand, seems to have the lowest life expectancy at 75.5 years old. Presidio County has the state's longest average life expectancy rate, at nearly 89 years old, while Donley County has the lowest average life expectancy at 73 years old.

In 2022, Falls County had over 3,000 senior (65 and older) residents.

Life Insurance Facts:

  1. In 2022, 47% of Americans lacked any type of active life insurance policy.

  2. Life insurance premiums are calculated based on the insured's age at the start of the policy, among other things. So, the younger you are when you purchase it, the less you will have to pay in premiums over the policy period.

Motor Vehicle Fatalities in Falls County

Annually, 2-3 fatal crashes occur on Falls County roads, with a fatal crash rate of 18.19 per 100,000 vehicles on the road.

Falls County had 199 crashes in 2020, with six fatalities, according to the Texas Department of Transportation (TxDoT). Alcohol was responsible for nearly 29 percent of all traffic deaths.

Final Expenses - Falls County Funeral Home Cost

In Texas, a traditional average funeral service can cost between $5,000 and $12,000, which includes the basic service fees, casket, embalming, transportation, viewing, and burial. The average funeral service in Texas costs $6,200, while a funeral service in Falls County costs around $5,800. Bell County has the most expensive funeral cost average at nearly $6,600, while Limestone County tends to offer the most affordable service, at under $5,000.

Life Insurance Analysis:

  1. Nearly 46% of Americans pass away with less than $10,000 in life savings, which means that approximately 1,500 Falls County senior residents may be placing an undue burden on their family and friends with basic funeral expenses. Instead of grieving the loss of a loved one, the family must find a way to pay.

  2. In addition to burial expenses, the deceased may have left behind unpaid taxes and debts for the family to deal with.

  3. Term Life Insurance and Final Expense Insurance are the most commonly used life insurance policies that cover "final expenses" up to $50,000.

  4. The most common life insurance policies that allow money to be left to family members are Term Life Insurance, variations of Permanent Life Insurance such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expenses.

If you need consultation and advice on life insurance in Falls County, contact a knowledgeable Texas-licensed life insurance agent. An experienced life insurance agent with access to multiple insurers can help you evaluate your needs and then offer you multiple solutions to fill them.

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

Life Insurance in Texas

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