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Hartley County

Driving in Hartley County

An estimated 4,215 private and commercial vehicles call the roads of Hartley County their home. This number accounts for approximately 0.02% of all vehicles registered in the entire state of Texas.

About 87% of adult drivers in Hartley County commute to work by themself, and over 10% of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured and about 800 vehicles in Hartley County alone are uninsured.

Auto Insurance Analysis:

  1. Over 4 thousand vehicles registered in Hartley County need insurance coverage. Liability Coverage is essential for all vehicles on the road because it protects others from the damage you may cause in an accident. Private Auto, Commercial or Ranch Auto, Comprehensive Coverage, Commercial or Ranch Transportation, Inland Marine, and other types of insurance may be necessary depending on the type of vehicle and its intended usage.

  2. In Texas, where 1 of every 5 drivers is uninsured, which makes Uninsured Driver Coverage increasingly important. Texans pay roughly $900 million each year in uninsured and underinsured driver coverage.

  3. More rural roads are present in Hartley County, these types of roads have less traffic and have a smaller chance of a vehicular collision taking place. Animals in rural regions, on the other hand, are more likely to get in the way of moving cars. In Texas, the majority of animal-vehicle collisions occur twice a day: from 5-8 a.m. and from 6 p.m. to midnight. November is the month with the most deer-vehicle collisions. As a result, Hartley County residents should consider Comprehensive Auto Coverage, which assists in the repair of damage caused after hitting an animal.

To discuss your auto insurance in Hartley County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Hartley County Housing

Hartley County's over 2,000 housing units are divided between homeowners (63%) and renters (37%), not far from Texas’ average (split at 62% owners, 38% renters) where the vast majority of residences are also owner-occupied. The neighboring counties are mostly owner-occupied as well. Oldham County leads the way with 78% of their housing units being owner-occupied, followed by Moore County (roughly 66%), then Dallam County (about 64%). Hartley County has the lowest homeowner percentage. On the other hand, Hartley County has the most rental units, followed by Dallam County (36%), then Moore County (34%) and lastly, Oldham County offering 22% of its housing units for rent.

13% of housing units in Hartley County experience housing problems, overcrowding, issues with plumbing, or issues with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. In Hartley County, there are over 2 thousand dwelling units that need insurance. All owners of these properties should acquire Homeowners, Condo insurance, and/or Business Property Insurance to protect the underlying financial investment from possible loss or damage (for apartment complexes).

  2. Landlord Insurance protects the property as well as the landlord against potential liability claims from renters in Hartley County, which has approximately a thousand rental units.

  3. Hartley County landlords may need Renters Insurance as a condition of the lease. Renters Insurance is purchased by tenants to protect their belongings from loss or damage. Renters' insurance is usually inexpensive and protects the tenant's property against theft as well as fire, smoke, water, and vandalism damage.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Hartley County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Hartley County Health

Hartley County is second-best among its neighboring counties in terms of proper health insurance coverage rate. 23% of Hartley County citizens under 65 years old do not have health insurance coverage which is higher than Texas’ average (21%). Among the neighboring counties, the highest adult uninsured rate is in Dallam County, with 34%. Oldham County has the lowest adult uninsured rate of 18%. The highest uninsured adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County at around 11%.

Nearly 1 out of 5 adults in Hartley County report problems with their health.

22% of Hartley County’s population do not participate in physical exercise activities, and this figure is almost the same as Texas' average (≈23%).

It is estimated that 29% of Hartley County residents are considered obese (with a BMI of 30 or more), the highest among its neighboring counties but lower than the Texas average of 31.4%. Moore County and Dallam County both got the second-highest, having 28% each. Oldham County reports the lowest – at 25% of the residents the same with Hartley County,

At least 2 health insurers in Hartley County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. The most crucial sort of insurance is health insurance, and over a thousand people in Hartley County do not have proper coverage.

  2. Texas is one of the states that allow the sale of various types of health insurance and supplemental health insurance. This makes it easier for Hartley County residents to choose the coverage that suits their specific needs (both physically and financially), such asGroup or Individual Marketplace ACA health insurance, several types of short-term insurance (up to 3 years in coverage), hospital indemnity insurance, accident & health, and so on.

  3. Low-income consumers could apply for government health insurance subsidies if they do not have health insurance because it is too expensive. These subsidies can significantly reduce the cost of TX health insurance.

  4. If you don't have any pre-existing conditions, Short-term health insurance can be an alternative method to save money. (Note: Some Texas multi-year short-term health insurance policies may cover some pre-existing diseases after a year or longer of coverage.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available to the Hartley County residents.

Hartley County Mortality and the End of Life Statistics

Average life expectancy for the residents of Hartley County is around 81.8 years old, which is the highest among its neighboring counties and also higher than the Texas average of 79.2 years old. Among the neighboring counties, Dallam County is at par with the Texas average with a 79.3 year-old life expectancy, second to Hartley County. Moore County shows the shortest life span with 77.8. 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.

Life Insurance Facts:

  1. In 2022, 47% of Americans lacked any sort of active life insurance.

  2. Life insurance premiums are based on the insured's age at the start of the policy. You will save more money in premiums over the duration of the policy if you get it when you are younger.

  3. More than 17% of adult Hartley County residents smoke and the life insurance premiums of these individuals will surely increase by up to 4 times compared to non-smokers if this habit is continued. A smoker's life expectancy is regarded to be lower, placing them a greater danger than nonsmokers and increasing their risk to life insurance companies.

Motor Vehicle Fatalities in Hartley County

Statistically, motor vehicle fatalities in Hartley County occur at a rate of 26.82 per 100,000 vehicles on the road: approximately 1 fatal crash per year.

In 2020, Texas Department of Transportation (TxDoT) reported 109 total crashes in Hartley County, with a resultant of 3 fatalities. Alcohol is determined as the main factor for the fatal crashes in Hartley County contributing to about 21% of all driving fatalities.

Final Expenses – Hartley County Funeral Home Cost

Funeral expenses in and around Hartley County vary drastically. The average price of a funeral in Hartley County is around $8,600. Among the neighbors of Hartley County, Dallam County has the lowest average funeral expense of $5,900, while Moore County funeral homes’ average $6,400, which is higher than the $6,200 state average.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, the cost of a basic funeral might be a concern, putting an unnecessary and often unpleasant strain on family and friends. Rather than grieving for their loss, the family must focus on figuring out how and who will pay for the funeral.

  2. In addition to funeral expenses, the deceased frequently leave behind taxes and other debts to be paid by the family.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance plans for paying "final expenses" up to $50,000.

  4. Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance, are the most often used life insurance products to leave money to the family.

Contact a knowledgeable life insurance agent licensed in the state of Texas for consultation and advice about senior life insurance in Hartley County.