Fisher County
Driving in Fisher County
Fisher County has approximately 2,954 registered vehicles for both commercial and personal use. These vehicles make up about 0.01 percent of all registered vehicles in Texas.
Almost 81 percent of Fisher County drivers commute alone to work every day, with almost a third of those commutes lasting more than 30 minutes.
In Texas, having liability car insurance is required as "proof of financial responsibility," and driving without it is illegal.
Auto Insurance Analysis:
Approximately 3 thousand vehicles in Fisher County are required to carry the minimum mandatory insurance. Other types of insurance, such as Private Auto Insurance, Farm Auto Insurance, Commercial Inland Marine Insurance, and others, could also be purchased. Auto insurance may also be affected by the type of vehicle and its intended use.
The majority of Fisher 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, residents of Fisher County should consider Comprehensive Auto Coverage, which aids in the repair of damage caused by an animal collision.
Because one out of every five drivers in Texas is either uninsured or underinsured, Uninsured Driver Coverage is becoming increasingly important. Texans spend more than $900 million per year on Uninsured and Underinsured Motorist coverage.
If you need Auto insurance in Fisher County, contact a Property & Casualty insurance agent who is licensed in the state of Texas.
Fisher County Housing
Fisher County's housing market of approximately 2,201 units is split between homeowners (74%) and renters (26%). This is similar to the rest of Texas, where most homes are owner-occupied. The Texas state average for homeowners and renters is roughly 62/38 split. The surrounding counties are mostly made up of owner-occupied homes as well, with Mitchell County having the highest homeowner-occupied rate with nearly 79%, followed by Stonewall County with roughly 76%. In contrast, Taylor County has the lowest rate with just 58%, which means almost every other property is a rental.
More than 1 in 12 housing units in Fisher County are experiencing overcrowding, lack of plumbing, and/or substandard kitchen conditions.
Housing Insurance Analysis:
Over 2 thousand housing units could use property insurance in Fisher County. To protect the owner's property from loss or damage, all housing units should have Homeowners Insurance (Homeowners or Condo). Apartment complexes are covered by Business Property Insurance, while condo association buildings themselves are covered by a Business Condo Association Insurance.
Fisher County has approximately 600 rental units, all of which should be covered by Landlord Insurance. Landlord insurance safeguards both the property and the owner against potential liability issues.
Renters Insurance is typically purchased by tenants to protect their belongings from potential damage or loss. The standard Renter's Insurance policy covers theft as well as damage from water, fire, smoke, and vandalism. As a condition of the lease, landlords may also require renter's insurance.
Contact a Property & Casualty insurance agent licensed in the state of Texas for consultation and advice on Homeowners insurance or Renters insurance in Fisher County.
Fisher County Health
In Fisher County, 19 to 20 percent of adultsand 16% of all children do not have proper health insurance. This figure is lower than the 20.7% state average (in 2021). Scurry County, followed by Nolan County, has the highest uninsured rate among neighboring counties, with 22.5% and 21% of residents lacking health insurance. Kent County, on the other hand, has the lowest rate of uninsured residents at around 14%.
Statewide, Gaines County has the highest rate of uninsured adults, approaching 36%, while Loving County has the lowest, around 11%.
More than 1 out of 5 adults in Fisher County has a health problem, and over 21% of the population does not engage in physical activity. This contributes to 22% of the population being obese, which is lower than the Texas average of 32%. Taylor County has the highest obesity rate of any peer county with 31%. On the contrary, Mitchell County has the lowest obesity rate tailed by Stonewall County both at 20%.
In Fisher County, at least 2 insurers provide affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.
Health Insurance Analysis:
The most important type of insurance is health insurance, and more than 500 Fisher County residents do not have it.
Texas is one of the states that offer a broader range of health insurance and supplemental product options, making healthcare more accessible to its residents: ACA-Compliant Group and 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.
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 a cost-saving 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 Fisher County, contact a knowledgeable Texas-licensed health insurance agent.
Fisher County Mortality and the End of Life Statistics
Fisher County's average life expectancy is estimated to be more than 80 years old, which is higher than the Texas state average of 79 years old and the highest among the neighbors: with 78 years old, Jones County has the second-highest life expectancy, trailing Fisher County by roughly two years. Nolan County, on the other hand, has the lowest life expectancy at 75 years old. Presidio County has the state's highest average life expectancy rate, at 88.8 years, while Donley County has the lowest average life expectancy at 72.8 years.
As of 2022, Fisher County had over 900 senior (65 and older) residents.
Life Insurance Facts:
In 2021, 48% of Americans lacked any type of active life insurance policy.
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’s lifetime.
Motor Vehicle Fatalities in Fisher County
Every year, approximately 1-2 fatal crashes occur on Fisher County roads, with a fatal crash rate of 40.87 per 100,000 vehicles on the road.
According to the Texas Department of Transportation (TxDoT), Fisher County had 62 crashes in 2020, with one fatality. More than one out of every five traffic fatalities was caused by alcohol.
Final Expenses - Fisher County Funeral Home Cost
A traditional funeral service in Texas can cost anywhere between $5,000 and $12,000, which includes the basic service fees, casket, embalming, transportation, viewing, and burial. The average cost of a funeral service in Texas is $6,200, while the cost of a funeral service in Fisher County is $9,000. Looking at the neighboring counties, Jones County has an average of $5,700, and a funeral in Taylor County will cost around $6,000.
In the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the lowest average, both at around $3,200.
Life Insurance Analysis:
With nearly 46% of Americans dying with less than $10,000 in life savings, senior citizens may be putting an undue burden on their family and friends with basic funeral expenses. This means that rather than mourning the loss of a loved one, the family must find a way to pay for the funeral.
Aside from burial costs, the deceased may have left behind taxes and debts for the family to deal with.
Term Life Insurance and Final Expense Insurance are the most commonly used life insurance policies that cover "final expenses" up to $50,000.
The most common life insurance policies that allow money to be left to family members are Term Life Insurance and 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 Fisher County, contact a knowledgeable Texas-licensed life insurance agent who has access to multiple insurance carriers. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.
