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Hamilton County

Driving in Hamilton County

There are over 23 million vehicles that call Texas their home, and 6,769 of them are registered in Hamilton County. This number makes up 0.03% of all the automobiles registered in Texas.
Approximately 69% of the drivers that commute every day to work are alone in their cars, and roughly 1 out of 4 of these drivers are behind the wheel for at least 30 minutes or more.
Since 20% of the automobiles in Texas are uninsured, over 1,300 vehicles in Hamilton County could be uninsured.

Auto Insurance Analysis:

  1. Hamilton County has nearly 7 thousand registered automobiles, and they all need auto insurance coverage. Collision Coverage, Gap Coverage, Comprehensive Auto, and Commercial or Farm 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. Auto Liability, on the other hand, is required by Texas law.

  2. Uninsured Driver Coverage is becoming more and more important since 1 out of 5 drivers in Texas does not have auto insurance. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

  3. Most of the roads in Hamilton County are rural, and these kinds of roads have less traffic and less potential for 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, Hamilton county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal.
    To get auto insurance advice in Hamilton County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Hamilton County Housing

The approximately 4,539 homes in Hamilton County are split between owner-occupied homes (82%) and rentals (18%). The owner-occupied rate in this county is drastically higher than the state average of 62%.

Compared to its neighbors, Hamilton County’s owner-occupied rate is only the second-highest figure. Mills County has the highest number at 85%, while Coryell County has the lowest figure, with only 58% of its housing properties inhabited by the owners.

Approximately 13% of homes in Hamilton County experience various housing problems like overcrowding, substandard plumbing, or kitchen-related issues. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Nearly 5 thousand homes in Hamilton 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 properties from damage or even total loss.

  2. With almost 1 thousand housing units in Hamilton County listed for rent, landlords are advised to purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.

  3. Tenants secure Renters Insurance, which is usually quite affordable, to protect their belongings from damage or loss. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Hamilton 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 Hamilton 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 in the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance (The agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Hamilton County Health

In Hamilton County, around 25% of the adults (under 65) and 15% of the children do not have proper health insurance coverage. The county’s adult uninsured rate is not too far from the state average of 21%.

In Texas, Gaines County has the highest figure for this demographic at 36%. On the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.

Around 22% of the residents in Hamilton County report problems with their health. This translates to nearly 1,500 residents.

Regular exercise is essential to a person’s health and fitness, but in Hamilton County, it is estimated that approximately 24% of the population does not engage in such activities.

This is probably one of the reasons why 25% of its residents are considered obese (with a BMI of 30 or more).

Among the neighbors, Erath and Lampasas counties have the highest obesity rates both at 34%. Comanche County, on the other hand, has the lowest figure at 24% — meaning Hamilton County has the second-lowest obesity rate.

There are at least 4 health insurers in Hamilton County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Almost 2 thousand Hamilton County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. The sale of multiple types of health insurance and supplemental products is permitted in Texas, which makes the shopping process for the best coverage that fits your specific needs (both medically and financially) much easier. Texans can get coverage through 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. Those who cannot afford the out-of-pocket costs of health insurance can apply for government subsidies that can significantly lower or even eliminate these costs.

  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 Hamilton County.

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Health Insurance in Texas

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Hamilton County Mortality and the End of Life Statistics

The average life expectancy in Texas is 79.2 years old, and Hamilton County’s average is significantly lower than this, at 75 years — this life expectancy average is the lowest in its area. Among the adjacent counties, Erath County has the highest figure at 79 years old, and Comanche County has the second-lowest average after Hamilton County.

Statewide, Presidio County has the highest average at 89 years, and Donley County has the lowest life expectancy rate at 73 years old.

In 2022, there were approximately 2,100 seniors (65 and older) living in Hamilton County.

Life Insurance Facts:

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

  2. A person’s age is correlated with their life insurance premiums rates. If the age goes up, so do the premiums. This is why young adults are advised to take out a policy as early as possible to save a considerable sum in the long run. If you wait until you are old to get a policy, you may not be able to afford it.

  3. Approximately 21% of the adult population in Hamilton County smoke and this unhealthy habit will likely increase their life insurance premiums up to 4 times more than a non-smoker’s.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to borrow against, for emergency expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in Hamilton County

Motor vehicle fatalities in Hamilton County occur at a rate of 46.28 per 100,000 vehicles on the road, averaging over 3 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 110 crashes in Hamilton County, which led to 2 fatalities. Around 17% of the fatal car crashes in Hamilton County involve alcohol.

Final Expenses – Hamilton County Funeral Home Cost

A traditional funeral in Texas can cost between $5,000 and $12,000, while the average across the state is around $6,200, which includes basic service fees, casket, embalming, transportation, viewing, and burial.

In the region, Coryell County has the highest average funeral cost at around $6,300, and Lampasas County comes in a close second with a $6,100-average. Families in Comanche County are usually charged around $5,700, and Bosque County has the most affordable average at $5,000.

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

Life Insurance Analysis:

  1. Around 46% of Americans pass away with less than $10,000 in assets, which presents a problem for the family and friends of the deceased as they will have to set aside their mourning to come up with the money to pay for the funeral. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Aside from the funeral costs, the deceased often leave unsettled debts and unpaid taxes for their family to deal with. Understandably, this adds to the family’s financial woes, given that they are already spending a large sum on the funeral.

  3. Term Life Insurance and Final Expense Insurance are 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 Permanent Life Insurance: Whole, Indexed Universal Life, and others.

To get advice regarding life insurance in Hamilton County and help lighten the load for your family - reach out to a Texas-licensed experienced 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.

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

Life Insurance in Texas

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