There are an estimated 46,162 private and commercial vehicles in Hardin County , accounting for around 0.20% of all vehicles registered in the state of Texas.
More than 87% of adult drivers drive alone to work in Hardin County, and more than half of inhabitants commute for more than 30 minutes.
In Texas, an estimated 20% of drivers are uninsured, which means that over 9,000 automobiles in Hardin County could be uninsured.
Hardin County has over 46,000 registered automobiles, all of which require insurance coverage. Depending on the type of a vehicle and its use, the required insurance may be: Private Auto, Farm Auto, Inland Marine, etc. Auto Liability is required for all vehicles on the road.
Majority of Hardin County roads are rural. Rural roads usually have less traffic and less potential of a vehicular collision. 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, Hardin County residents should consider Comprehensive Auto coverage, which helps in repairing the damage after hitting an animal.
Uninsured Driver Coverage is very important, as 1 out of 5 drivers in the state are uninsured or underinsured. The total cost spent on paying both Uninsured and Underinsured Auto Coverages by Texans has reached nearly $900 million annually.
For consultation and advice about auto insurance in Hardin County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.
As of 2022, Hardin County counted approximately 26,557 housing units. The housing market in the county is split between Home owners (81%) and Renters (19%), similar to the majority of Texas where most housing units are owner-occupied. The adjacent counties are mostly made up of owner-occupied homes as well, with Tyler County leading with an owner-occupied rate of over 84% while Jefferson County closing in the last with just 67%. The state average split is closer to 62 percent renters, and 38 percent renters.
Almost 1 out of 8 of Hardin County housing units experiences severe housing problems. The most prevalent problems are high housing expenses, overcrowding, a lack of plumbing, and kitchen problems.
Hardin County has nearly 27 thousand dwelling units that require insurance coverage. Because the majority of the homes in the county are owner-occupied, they should be insured by Homeowners Insurance, which protects the owners against loss or damage.
With over 5,000 rented units, landlords opt for Landlord Insurance. It covers the property and the owner from possible liability claims by their tenants.
As for the tenants, they usually get Renters Insurance coverage. The purpose of that coverage is to protect the renters belongings from possible damage or loss. Additionally, that type of insurance will also cover various types of damages (fire, smoke, water, and vandalism) and theft. Do take note that a Renters Insurance may be required by some landlords operating in Hardin County as part of their lease conditions.
For consultation and advice about Homeowners insurance or Renters insurance in Hardin County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Hardin County has a relatively low percentage (near 16%) of its residents without health insurance, which is lower than the Texas state average and any of its neighboring peer counties; The highest adult uninsured rate among the peers is in Polk County, with 23% of the adult population, while Hardin County has the lowest adult uninsured rate. The highest uninsured 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%. In 2021, the average adult uninsured rate in Texas was around 20.7%.
Over 19% of Hardin County residents report problems with health.
One factor that contributes to poor health is the lack of physical exercise. Where almost 27% of the residents of Hardin County do not participate in physical activities.
The obesity rate in Hardin County is around 37% (with a BMI of 30 or more), which is higher than the Texas average of 32%. When compared to its neighboring counties, Hardin County reports the lowest obesity rate, where Orange County is the worst, with almost 46% of its adult population obese.
There are at least 3 health insurers in Hardin County that offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.
Nearly 9 thousand of Hardin County residents lack health insurance coverage, which is considered the most important insurance coverage any person should have.
Overall, Texas residents have access to a variety of health insurance options, as well as additional supplemental products. In Hardin County, health insurance options include Marketplace or Group ACA Health Insurance, Short-Term Insurance, Hospital Indemnity, and a variety of others.
For some Texans who believe they cannot afford health insurance, there are government subsidies available to assist low-income individuals in obtaining coverage by significantly cutting the price. Don't be caught off guard in the event of a medical emergency without at least emergency coverage.
For consultation and advice about health insurance in Hardin County contact a health insurance agent licensed in the state of Texas.
Hardin County residents have a life expectancy of 75.9 years, which is shorter than the Texas average of 79.2 years. Even when compared to its neighbors, all of them (Tyler County, Jasper County, Orange County, and Liberty County) have a significantly lower life expectancy than the state average. Jefferson County has the highest life expectancy of 76.2 years, while Polk County has the lowest lifespan of 73.7 years. The highest life expectancy in the state is 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 10,000 senior residents (65 years old and older) in Hardin County.
48% of Americans in 2021 did not have any type of active life insurance policy.
The cost of life insurance is significantly influenced by the age of the insured at the time of application and acceptance. Locking in the premium price at a younger age is generally advisable since it can save the insured money over the term of the policy.
In Hardin County, motor vehicle fatalities occur at a rate of 22.77 per 100,000 cars on the road. This amounts to an average of 10-11 fatal collisions every year.
In 2020, Texas Department of Transportation (TXDoT) recorded 761 total collisions in Hardin County, resulting in 11 fatalities. Alcohol has been identified as the primary cause of 18% of fatal collisions in Hardin County.
Funeral expenses in and around Hardin County vary drastically. The average price of a funeral in Hardin County is almost $5,800, which is lower than the state average and the lowest in the area. Among the neighbors, Polk County tends to have the highest average funeral cost of almost $11,000, nearly doubling the Texas state average of $6,200.
With 46% of Americans dying with savings of less than $10,000, nearly 4,600 of Hardin County senior residents could be placing the unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay.
Aside from the funeral expenses, the departed usually leave unpaid taxes and other debts for the family to deal with.
When it comes to paying "final expenses" up to $50,000, the most common forms of insurance plans are Term Life Insurance and Final Expense Insurance.
The most commonly used life insurance policies to leave money to the family are the variations of: Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense.
For consultation and advice about life insurance in Hardin County, contact a knowledgeable and state licensed life insurance agent with access to multiple insurers and types of plans.