There are around 2,928 private and commercial vehicles that are registered in Hemphill County, and this number accounts for around 0.01% of all the vehicles registered in Texas.
Driving their own cars to and from work is the most favored mode of transportation for Hemphill County residents and about 68% of them commute alone to their place of work. Approximately 16% of these drivers need over 30 minutes to reach their destination.
With every fifth Texas-registered vehicle uninsured, less than 1,000 vehicles in Hemphill County could be uninsured or underinsured.
Nearly 3 thousand automobiles registered in Hemphill County could use at least Auto Liability insurance coverage as mandated by the state of Texas. Non-owner, Comprehensive Coverage, Gap, and Commercial 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.
Auto Liability is required for every vehicle registered in Texas. If you are caught operating a vehicle without one, you will face a hefty fine. Repeat offenders could have their licenses revoked, and/or their vehicles impounded.
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 Hemphill County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Most of the estimated 1,717 residential properties in Hemphill County are inhabited by the families or individuals that own them, at a rate of about 71%, which is considerably higher than the majority of Texas’ owner-occupied rate of 62%. Approximately 29% of the homes in Hemphill County are inhabited by or available for renters to move into.
Among the neighbors, Roberts County has the highest owner-occupied rate at 80%, which means that only 2 out of 10 homes in Roberts County can be occupied by tenants. Gray County and Lipscomb County are tied in second place, both with 74%. Wheeler County, on the other hand, has the lowest owner-occupied rate at 67%.
Approximately 9% of the homes in Hemphill 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.
Almost 2 thousand homes in Hemphill 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.
Landlords in Hemphill County are generally advised to purchase Landlord Insurance, which covers the property and possible liability claims from the tenants.
Tenants 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 Hemphill 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 Hemphill County.
On average, 21% of Texan adults below 65 years old do not have proper health insurance coverage, and Hemphill County’s figure for this category is 2 percentage points higher at 23%, and 19% for the children.
In the region, Lipscomb County has the highest uninsured adult rate at 29%, followed by Wheeler County at 26%. Roberts County has the lowest figure among the neighbors with 17%. 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 just 11.4%.
About 22% of Hemphill County residents report health problems. This is probably due to the fact that 19% of adults smoke and drink too much alcohol, and 22% of the whole population do not engage in physical exercise.
The lack of exercise is one of the main reasons why 22% of the adult population in Hemphill County are considered obese (with a BMI of 30 or more) — this rate is considerably lower than the Texas average of 31%. Among the neighbors, Gray County has the highest obesity rate at 36%, while Roberts County has the lowest at 21%.
At least 2 health insurers in Hemphill County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.
Almost a thousand Hemphill County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.
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.
If having no budget for health insurance is the reason for not taking out a policy, lower-income individuals can apply for government subsidies to significantly lower or even almost eliminate the out-of-pocket costs for health insurance.
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 Hemphill 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.
Hemphill County residents have an average life expectancy of 77.3 years old — a couple of years shorter than the state average of 79.2 years. In the area, Lipscomb County has the longest life expectancy at 80.6 years, while the shortest is observed in Gray County at 74.5 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 roughly 600 seniors (65 and older) living in Hemphill County.
In 2022, 47% of Americans did not own any kind of life insurance coverage.
Age 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.
Approximately 19% of adults in Hemphill 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.
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.
The average funeral cost in Texas is around $6,200, but the families and friends of a deceased Hemphill County resident are likely to be charged closer to the average of $4,600 for a traditional funeral. Looking at the neighboring counties, Lipscomb county funeral homes charge approximately $6,600, and $6,800 is the reported average for Gray County funeral homes. Across 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.
With 46% of Americans passing away with less than $10,000 in assets, the family and friends of a deceased Hemphill 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”)
The deceased frequently leave unsettled debts and taxes, which may further complicate the family’s financial situation.
Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.
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 Hemphill County and help lighten the load for your family - reach out to a Texas-licensed experienced life insurance agent with access to multiple insurers. A knowledgeable agent can help you evaluate your needs and then offer you multiple solutions to fill them.