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Foard County

Driving in Foard County

Foard County has a total of 877 automobiles that are registered for commercial and private use, which is around 0.004% of all the vehicles in Texas.

Despite the small total number of vehicles in the county, 4 out of 5 drivers commute by themselves to and from work, and 27% of those journeys take 30 minutes or more to complete. This suggests that most of these vehicles are on the road every day and for extended periods.
Approximately 1 out of 5 drivers in Texas get behind the wheel without any type of auto insurance coverage, and almost 200 vehicles in Foard County might not have auto insurance.

Auto Insurance Analysis:

  1. Foard County has well over 8 hundred registered automobiles, and they all require some kind of auto insurance coverage. Non-Owner Car Insurance, Gap Coverage, Comprehensive Auto, Farm Auto, and Ranch Transportation are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them.

  2. Rural thoroughfares run around and across Foard County, and these types of roads have less traffic and less probability of a vehicular collision. However, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this fact, Comprehensive Auto Coverage should be considered as it covers the car repair costs after hitting an animal.

  3. Some auto insurance carriers can bundle the coverage for your commercial farm trucks and personal automobiles. Farm owners who opt to bundle all vehicles in one policy will have less hassle and could possibly save some money.

  4. Since 20% of the drivers in Texas don’t have auto insurance, Uninsured Driver Coverage is deemed almost necessary. Texans spend a total of nearly $900 million every year for Uninsured and Underinsured Auto Coverage costs.

To get auto insurance advice in Foard County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Foard County Housing

There are over 798 homes in Foard County, and just like the majority of Texas, most of these properties are occupied by the owners themselves, around 83% of them, to be more specific. Looking at the county’s neighbors, Foard and Knox Counties both lead the group in terms of homeowner-occupied rate (83%).

King County, on the other hand, has the lowest rate at 34%. Unlike most of the counties in the region, King County has more properties (≈66%) inhabited by tenants, rather than the owners.

Nearly 1 out of 5 homes in Foard County experience housing-related issues like overcrowding, substandard plumbing, or kitchen problems. In approximately 15% of homes, families allocate half of their income on housing expenses.

Housing Insurance Analysis:

  1. Almost 8 hundred homes in Foard County need insurance coverage. All owners of these properties should have at least Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes) to protect the underlying financial investment from damage or even loss.

  2. With well over 1 hundred housing units in Foard County listed for rent, property owners purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. Renters Insurance could be useful to tenants in order to protect their belongings from damage or loss. The average cost of this coverage is quite cheap, and it will cover the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Foard County include Renters Insurance as a lease condition.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for advice and consultation about Homeowners, Renters, Flood, Condo, and other kinds of home insurance in Foard County,

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences of the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance. (agent’s service is usually paid by the insurer)

Foard County Health

Around 23% of Foard County residents (including children) do not have any type of health insurance coverage, which is a higher rate than the state average (21%). In the region, Hardeman County has the lowest uninsured rate at 27%, while Baylor County residents are well-covered in terms of health insurance, and only 16% of their population are uninsured.

Statewide, Gaines County has the highest uninsured adult rate at nearly 36%, while the lowest rate is observed in Loving County at just 11%.

Approximately 22% of Foard County residents report problems with their health, this figure translates to almost 200 people.

Research suggests that 22% of Foard County residents do not get involved with physical exercise, and approximately 28% of its population are considered obese (with a BMI of 30 or more).

Among the neighboring counties, Wilbarger County is the most affected with obesity at a rate of 36%, while King and Cottle Counties have the lowest number both at 20%.

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

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage, but despite this fact, nearly 2 hundred residents of Foard County lack coverage.

  2. The sale of multiple types of health insurance and supplemental products is allowed in Texas. So securing coverage that fits their specific needs (both medically and financially) is much easier. Texans can take out Group or Individual Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Government subsidies exist to assist individuals who cannot afford health insurance. They just need to reach out to a state-licensed health insurance agent to help them submit an application and prove that they don’t have the means to secure a policy.

  4. Short-term Insurance is another way to save money if you do not have any pre-existing conditions. (If you have had your policy for a year or more, pre-existing conditions may be covered by some Texas multi-year short-term health insurance.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Foard County.

A Texas Health Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences of the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance. (agent’s service is paid by the insurer)

Foard County Mortality and the End of Life Statistics

Residents of Foard County have an average life expectancy of 76 years old — 3 years short of the state average (79). Among its next-door neighbors, Hardeman County has the highest average at 77 years old, while the residents of Baylor County have a life expectancy of 74 years.

In the entire state of Texas, Presidio County has the highest life expectancy rate at 89 years, and Donley County has the lowest figure at 73 years old.

In 2022, there were a little over 300 seniors (65 and older) living in Foard County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not own any kind of life insurance coverage.

  2. 1 out of 5 adults in Foard County smoke, and this factor will definitely spike up their life insurance premiums. The cost of a smoker’s life insurance policy is up to 4 times more expensive than a non-smoker's, as their life expectancy is deemed shorter unless they change their habits. (On average, it takes 5 years of not smoking, to regain the non-smoking health rating)

  3. Life insurance can seem expensive, and young adults would falsely believe that they do not need it yet. However, getting a life insurance policy as early as possible while they are still young and healthy, is a way to save money on premiums.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds however they choose.

Motor Vehicle Fatalities in Foard County

Back in 2020, the Texas Department of Transportation (TxDoT) reported 255 crashes in Foard County, which led to four fatalities.

Final Expenses – Foard County Funeral Home Cost

An average funeral in Foard County will cost around $4,000-$4,500, which is less expensive compared to the state average of $6,200. However, right next door is King County, and the average funeral cost in this county is significantly more expensive than Foard County’s average (≈$5,500-$6,000).

In the entire state of Texas, Polk County has the highest average funeral cost at nearly $11,000, while Kenedy and Willacy Counties have the cheapest average, both at around $3,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a standard burial for over 3 hundred Foard County residents could fall on the shoulders of the deceased person’s friends and family. Instead of mourning their loved one’s passing, they will have to focus on figuring out how to pay for the funeral.

  2. Aside from burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.

  3. Term Life Insurance and Final Expense Insurance are both the most common life insurance policy types to cover "final expenses" up to $50,000.

  4. There are different kinds of insurance policies that can help the bereaved family through financial assistance. Such life insurance policies can be Term Life Insurance and variations of Cash Value Permanent Life Insurance: Whole, Indexed Universal Life, and others.

To get advice regarding life insurance in Foard County and help lighten the load for your family - reach out to a knowledgeable Texas-licensed life insurance agent with access to multiple insurers. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.