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Freestone County

Driving in Freestone County

Roughly 15,693 private and commercial vehicles call the roads of Freestone County their home. This figure accounts for around 0.07% of all the registered cars in the whole state of Texas.
Almost 86% of adult drivers in Freestone County drive to and from work alone, and less than 38% of those commutes last for more than half an hour.
20% of drivers in Texas are uninsured, and almost 3,200 cars in Freestone County are uninsured.

Auto Insurance Analysis:

  1. More than 15 thousand automobiles registered in Freestone County require some type of insurance coverage. The required insurance is dependent on the type of vehicle and usage. Vehicle owners can choose from Comprehensive Auto, Gap Coverage, Farm Auto, Farm Transportation, Collision Coverage, Inland Marine, etc.
  2. Most of the roads in Freestone County are rural. Rural roads have less traffic and less potential for vehicular accidents. Meanwhile, 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, Freestone county residents should consider Comprehensive Auto Coverage, which helps repair the damage after hitting an animal.
  3. Uninsured Driver Coverage is becoming increasingly important, with 1 out of 5 drivers uninsured in Texas. Texans spend approximately $900 million yearly to pay for Uninsured and Underinsured Auto Coverage.
    To receive advice about auto insurance in Freestone 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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Freestone County Housing

Freestone County’s approximately 9,732 housing unit market, primarily consists of homeowner-occupied properties at 77.45% versus 22.55% for renter-occupied homes. Freestone County has the highest homeowner-occupied rate in its region.

The nearby counties are also populated with homes inhabited by the owners, with Leon County at a close second after Freestone County, with a 77.37% homeowner-occupied rate and 22.63% of the houses listed for rent. Navarro County has the lowest figure with a 69% owner-occupied rate, and roughly 31% are for rent.

Approximately 13% of housing units in Freestone County encounter housing problems, like kitchen issues, plumbing problems, or overcrowding. Around 15% of residents spend more than half of their income on housing alone.

Housing Insurance Analysis:

  1. Almost 10 thousand housing units in Freestone County require insurance coverage. This is to protect their property from possible loss or damage. All owners of these properties should have Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes).

  2. Freestone County has over 2,000 housing units listed as a rental. Landlords obtain Landlord Insurance, which will protect the property, and its owner from possible liability claims that can arise from the tenants.

  3. To protect the property from possible damage or loss, tenants acquire renters insurance. Average renters’ insurance is inexpensive, and it covers the tenant’s property from theft and property damage caused by fire, smoke, water, and vandalism. Some landlords in Freestone County require Renters insurance as part of the lease conditions.

For consultation regarding Homeowners, Renters, Condo, Flood, and other types of insurance in Freestone County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

A Texas P&C Insurance Agent:

  • Examines your needs and limitations
  • Explores the plans in your area that best suit your needs
  • Lays out available options of coverage
  • Describes the effect of the different options once the insurance policy becomes active
  • Helps you with the process of application
  • Does not influence your cost of insurance (Agent’s service is paid by the insurer)
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Residential Insurance in Texas

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Freestone County Health

Freestone County is rated at the bottom when it comes to proper health insurance coverage within its neighboring counties. Roughly 1 out of 5 adults and 12% of all children in Freestone County do not have health insurance coverage. Among its peer counties, Leon County ranks the highest, with an uninsured adult rate of 26%. In Texas, Gaines County has the highest uninsured adult rate at almost 36%, while Loving County has the lowest with 11.4%. In 2021, the average adult uninsured rate in Texas was around 21%

Roughly 23% of Freestone County residents report problems regarding their health, and this translates to over 3,584 individuals.

Around 26% of Freestone County’s population do not engage in physical exercise activities.

Approximately 39% of the residents in Freestone County are considered obese (with a BMI of 30 or more). This percentage is higher than the Texas average of 31%. Within its neighboring counties, Limestone County reports the highest figure at 42%, while Leon County has the lowest percentage with 33% of adults considered obese.

At least four health insurers in Freestone County offer low-cost and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. The most important insurance coverage is health insurance, and more than 3,300 Freestone County residents do not have proper coverage.

  2. The sale of various types of health insurance and supplemental health insurance is allowed in the state of Texas. This makes it convenient for residents to acquire coverage that fits their specific needs (both medically and financially): 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. Low-income consumers are advised to apply for government subsidies if they are not able to afford health insurance. This way, the cost of insurance becomes substantially cheaper.

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

Explore your insurance needs with a state-licensed Texas health insurance professional with access to various health insurance options available in Freestone County.

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Health Insurance in Texas

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Freestone County Mortality and the End of Life Statistics

In Freestone County, the average life expectancy is around 76.4 years old. This number is lower than the Texas average of 79.2 years. Among its neighboring counties, Leon County has the longest life span at 77.8 years, while Anderson County has the shortest at 73.3 years. In the state of Texas, Presidio County holds the longest life span at 88.8 years, and the lowest expected life span is in Donley County, at 72.8 years.

Over 4,000 seniors (65 and older) lived in Freestone County in 2022.

Life Insurance Facts:

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

  2. The age of the insured when the policy begins is one of the factors that affect the life insurance premium rate. You can save money if you get it as early as possible.

Motor Vehicle Fatalities in Freestone County

In Freestone County, car crashes resulting in deaths on average happen at a rate of 25.39 per 100,000 vehicles on the road. That is approximately four fatal crashes each year.

The Texas Department of Transportation (TxDoT) reported 441 crashes in Freestone County in 2020, resulting in 11 deaths. Alcohol is one of the main reasons for these fatal crashes in Freestone County, at roughly 17% of driving fatalities.

Final Expenses - Freestone County Funeral Home Cost

All around Freestone County, funeral expenses vary drastically. The average cost of a funeral in Freestone County is around $6,300, which is the closest to the Texas average of $6,200. Among its neighboring counties, Henderson County has the highest average cost at almost $7,000, while Anderson County tends to have the most affordable funeral service, at around $5,000. In the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties tend to have the least expensive funerals, closer to a $3,200 average.

Life Insurance Analysis:

  1. Approximately 46% of Americans pass away with less than $10,000 in savings. Freestone County seniors are providing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must find a way to pay (Note: if using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”).

  2. The deceased may also leave taxes and other debt besides the burial costs for the family to handle.

  3. Term Life Insurance and Final Expense Insurance are the most used life insurance policies for “final expenses” up to $50,000.

  4. Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance and Final Expense, are the most utilized life insurance policies variations to leave money to the family.

Speak with a licensed Texas insurance professional about life insurance options in Freestone County. An experienced life insurance 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.

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

Life Insurance in Texas

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