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Frio County

Driving in Frio County

An estimated 16,182 private and commercial vehicles call the roads of Frio County their home. This number represents 0.07% of all registered vehicles in Texas.

Almost 87% of adult drivers in Frio County commute to work by themself, and over 17% of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which could be over 3,000 vehicles in Frio County alone.

Auto Insurance Analysis:

  1. Over 16 thousand vehicles registered in Frio County need some type of insurance coverage. Depending on the type of vehicle and its use, the required insurance may be Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc. Auto Liability, on the other hand, is required by Texas law.

  2. With 1 out 5 drivers uninsured in Texas, Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

For consultation and advice about auto insurance in Frio County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Frio County Housing

There were at least 6,069 housing units in Frio County in 2022 and the majority of these properties are homeowner-occupied (69%), with a smaller portion (31%) as rental units. The Texas average is closer to a 62/38 split between owner-occupied homes and renter-inhabited properties. Comparing Frio County to its neighbors, Dimmit County has the lowest number of owner-occupied homes at 66%. Meanwhile, Medina County has the highest percentage of homes inhabited by the owners, at over 80%.

Almost 1 in 5 of the housing units in Frio County is experiencing housing problems due to overcrowding, issues with plumbing plumbing, or with the kitchen.

Housing Insurance Analysis:

  1. Over 6 thousand housing units in Frio County need insurance coverage. At a minimum, all of them should have Homeowners or Condo Insurance, and/or Business Property Insurance (for apartment complexes) to protect their investment from loss or damage.

  2. With almost 2 thousand housing units in Frio County as rentals, landlords obtain Landlord Insurance, which covers the property itself and the possible liability claims arising from the tenants.

  3. Tenants obtain Renters Insurance coverage to protect their belongings from possible damage or loss. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Frio County may require Renters insurance as a condition of the lease.

For consultation and advice about Homeowners insurance or Renters insurance in Frio County, contact a Property & Casualty (P&C) insurance agent licensed in Texas.

Frio County Health

Frio County's uninsured rate of 23% is not too far from the Texas state average (≈21%). In comparison to its neighbors, Frio County has the highest number of residents that lack proper health insurance. La Salle and Medina Counties have the fewest residents without sufficient health insurance (18%).

Almost 5,000 Frio County residents are in poor health. One of the biggest causes of ill health in Frio County is the lack of physical activity, with 21% of the population failing to exercise on a regular basis. Obesity affects 29% of Frio County residents. When compared to its neighbors, Atascosa County has the highest rate of obesity (40%), while La Salle County has the lowest (24%).

At least 1 health insurer in Frio County 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, and over 4 thousand residents of Frio County lack this necessity.

  2. Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. This makes it easier for Texans to obtain coverage that fits their specific needs (both medically and financially): Group or Individual ACA Health Insurance, Various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If health insurance is not being purchased due to unaffordability, low-income consumers are advised to apply for government subsidies, which can substantially lower or even eliminate the cost of insurance.

  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)

For consultation and advice about health insurance in Frio County, contact a health insurance agent licensed in Texas. These knowledgeable agents have access to multiple insurers and can assist you with making the best decisions.

Frio County Mortality and End-of-Life Statistics

The average life expectancy of Frio County residents is 77.5 years old, which is lower than the Texas state average of 79.2. Comparing the neighboring counties: Dimmit County has the longest life expectancy average in the area at 79.5 years old, while Zavala County’s expected average life span is the shortest among the neighbors at 76 years. The longest life expectancy in Texas is observed in Presidio County at 88.8, and the shortest expected life span is in Donley County at 72.8 years old.

In 2022, there were over 2,500 senior residents (65 and older) in Frio County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have life insurance.

  2. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy.

Motor Vehicle Fatalities in Frio County

Motor vehicle fatalities occur at a rate of about 17.9 per 100,000 vehicles on the road in Frio County. This amounts to an annual average of around 2-3 fatal collisions.

In 2020, the Texas Department of Transportation (TxDOT) reported 207 crashes in Frio County, with a resultant 6 fatalities. Alcohol has been determined to be the primary cause of fatal crashes in Frio County in 20% of all driving fatalities.

Final Expenses – Frio County Funeral Home Cost

In Frio County, the average funeral cost is around $7,000. This is higher than the average funeral cost in Texas, which is closer to $6,200. Medina County’s funeral home cost is $8,400, which is the highest cost among its neighboring counties.

Across the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable funeral expense average, both at around $3,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, some of the Frio County residents may be putting an unnecessary and frequently painful financial strain on family and friends. Rather than grieving, the family must concentrate on determining how to pay.

  2. Apart from burial expenses, the deceased frequently leave behind taxes and other debts for the family to deal with.

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

  4. The most commonly used life insurance products to leave money to the family are Term Life Insurance and variations of Permanent Life Insurance: Whole, Indexed Universal Life, and others.

For a consultation and advice about life insurance options in Frio County, contact a life insurance agent licensed in the state of Texas. A knowledgeable professional can help you evaluate your life insurance needs and then offer you multiple solutions to fill them.