Gray County's roads are home to approximately 16,923 private and commercial vehicles. This number represents around 0.07% of all vehicles registered in Texas.
In Gray County, 82% of adult drivers travel alone, and nearly a quarter of those trips take more than 30 minutes.
20% of Texas drivers are estimated to be uninsured, with over 3,000 uninsured vehicles in Gray County alone.
Insurance is needed for nearly 17,000 vehicles registered in Gray County. Depending on the kind of vehicle and its intended usage, the following insurance policies may be required: Private Auto, Commercial Auto, Commercial Transportation Inland Marine, and so on. Auto Liability, on the other hand, is required by Texas law for all vehicles on the road.
In Texas, where 1 out of every 5 drivers is uninsured, and due to this fact, Uninsured Driver Coverage is becoming extremely relevant. Each year, Texas residents spend almost $900 million on uninsured and underinsured motorist coverage.
For consultation and advice about auto insurance in Gray County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Gray County's housing market, with roughly 9,800 units, has the fourth greatest proportion of renters (at least 26%) and the fifth-largest proportion of homeowners (at least 73%) among its adjacent counties. The adjacent counties are mostly made up of owner-occupied residences, with Carson County leading the way at over 81% and Wheeler County having the lowest figure at 67%.
Nearly 13% of Gray County's housing units are experiencing major housing issues due to excessive housing costs, congestion, a lack of plumbing, or kitchen issues. In approximately 15% of homes, residents spend more than 50% of their income on housing.
Gray County has nearly 9,000 housing units that need insurance coverage. They should all, at the very least, carry Homeowner’s Coverage, Condo insurance, and/or Business property insurance (for apartment complexes) to protect the property's owners from loss or damage.
With over 2,600 rental units in Gray County, owners of those homes should consider purchasing Landlord Insurance, which protects both the property and the landlord from potential liability claims from renters.
Renters should purchase Renters Insurance to safeguard their property from probable damage or loss. Theft and damage caused by fire, smoke, water, and vandalism are frequently covered by renters' insurance. Some Gray County landlords may require renters insurance as a condition of the lease.
For consultation and advice about Homeowners insurance or Renters insurance in Gray County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Nearly 24% of Gray County’s adults and about 13% of its children are without proper health insurance coverage. This data is not the worst when compared to its neighbors. Collingsworth County has the highest adult uninsured rate in the area, at roughly 32%, while Carson County has the lowest, closer to 15%. Across the state: Gaines County has the highest number of uninsured persons (36%), while Loving County has the lowest rate (11%). State average adult uninsured rate was 20.7% in 2021.
In Gray County, over24% of adults have health problems, and nearly 6,000 people are not physically active on a daily basis.
Gray County has the highest obesity rate (BMI of 30 or more) among its surrounding counties, at over 36%, and this is higher than the Texas average of roughly 31%. With around 26% of its residents affected by obesity, Roberts County has the lowest obesity rate among adjacent counties, followed by Hemphill County at 22%.
At least 2 health insurers in Gray County provide affordable and regularly subsidized ACA health insurance both on and off the state marketplace.
Despite the fact that health insurance is the most important type of insurance, more than 4,500 Gray County residents do not have proper coverage.
Texas is one of the states that allows residents to purchase a range of health insurance and supplemental products, such as Group or Individual Marketplace ACA health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.
If low-income residents cannot afford health insurance, they should seek assistance from government subsidies, which can significantly reduce the cost of coverage. If you don't have any pre-existing problems, short-term insurance may be an option for you.
(Note: After a year of coverage, some short-term insurance plans may cover select pre-existing conditions.)
For consultation and advice about health insurance in Gray County, contact a health insurance agent licensed in the state of Texas.
Gray County has a 74.5-year average life expectancy, which is lower than the Texas average of 79.2. Carson County has the longest life expectancy among neighboring counties at 78.5 years — four years more than Gray County. Presidio County has the highest life expectancy in Texas, at 88.8 years, while Donley County has the lowest, at 72.8 years.
In 2022, Gray County's senior population was roughly 3,400 (people aged 65 and more).
In 2022, 47% of Americans did not have any type of current life insurance.
Life insurance premiums are calculated based on the insured's age at the start of the policy, among other factors. The younger you are when you purchase it, the cheaper your rates will be during the course of the policy.
Motor vehicle deaths occur at a rate of 20.23 per 100,000 cars on the roads in Gray County, or about 3 to 4 fatal crashes each year.
The Texas Department of Transportation (TXDoT) reported 366 crashes in Gray County in 2020, resulting in 5 fatalities. Alcohol has been verified as the major cause of fatal crashes in Gray County, accounting for more than 18% of all driving deaths.
A traditional funeral in Texas can cost anywhere between $5,000 and $12,000, with the state average being around $6,200, which includes basic service fees, casket, embalming, transportation, viewing, and burial. Gray County funeral cost at $8,600.
Among Gray County's neighbors, Donley County’s average funeral costs closer to $8,000.
Polk County has the highest average funeral cost in the state of Texas, at $10,900, while Kenedy and Willacy Counties have the lowest, both at around $3,200.
With 46% of Americans dying with less than $10,000 in savings, the basic funeral expense may be a strain on family and friends, imposing an avoidable burden on them. Rather than dwelling on their loss, the family must concentrate on finding a way to pay.
In addition to funeral costs, the departed typically leave behind taxes and other bills or debts for the family to cope with.
The most frequent life insurance products used to cover "final expenses" up to $50,000 are Term Life Insurance and Final Expense Insurance.
The most often used life insurance products to leave money to the family are variations of Term Life Insurance and Whole Life Insurance, Indexed Universal Life (IUL) insurance and Final Expense insurance.
Contact a knowledgeable life insurance agent licensed in the state of Texas for consultation and advice about life insurance in Gray County.