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Hardeman County

Driving in Hardeman County

Hardeman County locals own a total of 3,170 registered vehicles that are being used for personal and business purposes — this figure represents 0.01% of all automobiles registered in the state of Texas.

Around 75% of adult drivers in Hardeman County commute to their place of work by themselves, and 18% of those drivers spend more than 30 minutes behind the wheel.

With every fifth Texas-registered vehicle uninsured, less than 1,000 vehicles in Hardeman County could be uninsured or underinsured.

Auto Insurance Analysis:

  1. More than 3 thousand automobiles registered in Hardeman County could use at least Auto Liability insurance coverage as mandated by the state of Texas. Non-owner, Comprehensive Coverage, Gap, and Farm or Ranch Auto are a few of the additional options that vehicle owners can choose from, depending on what vehicles they own and how they utilize them.

  2. Virtually all of Hardeman County is rural, and roads in rural areas have less traffic and less potential for vehicular collisions. However, vehicles going through rural roads are more prone to Animal-Vehicle Collisions (AVCs). 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, Hardeman county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverage does not cover this type of incident.

  3. Farm and ranch owners are generally advised to bundle the auto insurance of their trucks and personal vehicles to save money.

  4. Uninsured Driver Coverage is gradually becoming more important since 1 out of 5 drivers in Texas are uninsured. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

To get auto insurance advice in Hardeman 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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Hardeman County Housing

Just like the majority of Texas, the 2,386 residential real estates in Hardeman County are dominated by homes inhabited by the owners themselves at a rate of 68%, significantly higher than the Texas state average of 62%. In Hardeman County, 32% of the housing properties are listed as rentals.

Looking at the neighbors, Hardeman County has the second-highest owner-occupied rate, and at 83%, Foard County leads the group. On the other hand, Cottle County and Childress County have the lowest figures at 56% and 60%, respectively. This means that nearly every other home in their respective housing markets is listed for rent.

Approximately 10% of the homes in Hardeman County experience housing problems, overcrowding, substandard plumbing, or kitchen-related issues, which is the lowest in the state of Texas. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Over 2 thousand homes in Hardeman 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. Landlords in Hardeman County are generally advised to purchase Landlord Insurance, which covers the property and possible liability claims from the tenants.

  3. Tenants are advised to take out Renters Insurance, which is quite affordable and can protect the tenants’ 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 Hardeman County require Renters Insurance as part of the lease conditions.

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 Hardeman 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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Hardeman County Health

Approximately 27% of Hardeman County adults (below 65) and 17% of the children do not have proper health insurance coverage. Hardeman County’s uninsured adult rate is considerably higher than the Texas state average of 21%. In the region, Hardeman County has the highest uninsured adult rate, while Wilbarger County and Cottle County have the lowest numbers in the region, both at 22%.

Statewide, the highest adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County at just 11.4%. As of 2021, the average adult uninsured rate in Texas was around 20.7%.

About 24% of Hardeman County residents report health problems. This is probably due to the fact that 21% of adults smoke, 20% drink too much alcohol, and 33% of them do not exercise regularly.

The lack of exercise is one of the main reasons why 34% of the adult population in Hardeman County are considered obese (with a BMI of 30 or more) — this rate is a little higher than the Texas average of 31%. Among the neighbors, Wilbarger County has the highest obesity rate at 36%, while Cottle County has the lowest at 20%.

At least 1 health insurer in Hardeman County offers affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

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

  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): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Many low-income individuals can’t take out a health insurance policy, despite its importance, because of the high costs that it entails. However, they can apply for government subsidies to bring down the total cost of insurance.

  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 Hardeman County.

A Texas health insurance agent: analyzes your needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process, and at any time, you need to make a change to the policy or shop for replacement coverage.

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Health Insurance in Texas

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Hardeman County Mortality and the End of Life Statistics

The average Texan has a lifespan of 79.2 years, and Hardeman County residents are not too far from that average, as their life expectancy is around 77 years old. Looking at the neighbors, Wilbarger County has an average of 75.6 years, while Childress County residents’ life spans are ≈75.7 years old.

The highest life expectancy in the state of Texas is seen in Presidio County at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.

In 2022, there were almost 1,000 seniors (65 and older) living in Hardeman County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not own any kind of life insurance coverage.

  2. Age heavily affects the cost of life insurance. This is the reason why young adults are generally advised to take out a life insurance policy as early as possible so they can lock in the low premium rates and save money in the long run.

  3. Approximately 21% of adults in Hardeman County smoke, and these residents will have to pay up to 4 times more for their life insurance. Smokers are viewed as more of a risk as they are likely to have premature death.

  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 Hardeman County

Motor vehicle fatalities in Dallas County statistically occur at a rate of 43.57 per 100,000 vehicles on the road: approximately 1 to 2 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 72 crashes in Hardeman County, leading to 1 fatality. Alcohol is determined as the main factor for the fatal crashes in Dallas County in about 1 out of 4 of all driving fatalities.

Final Expenses – Hardeman County Funeral Home Cost

The average funeral cost in Texas is around $6,200, which is much lower than Hardeman County’s average cost of $7,400. In its region, Hardeman County has the most expensive funeral cost average, while Foard County has the most affordable at $4,200. Funeral homes in Childress County, on the other hand, could possibly charge around $6,500.

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

Life Insurance Analysis:

  1. With 46% of Americans passing away with less than $10,000 in assets, the family and friends of a deceased Hardeman County resident may have to delay their mourning as they may need to prioritize making sure the funeral will be paid. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased frequently leaves debts and taxes that are unsettled. Understandably, this will add to the family’s woes.

  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 Hardeman 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.

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

Life Insurance in Texas

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