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Henderson County

Driving in Henderson County

An estimated 66,673 private and commercial vehicles are registered in Henderson County, which accounts for approximately 0.3% of all vehicles registered in the entire state of Texas.

Almost 83% of adult drivers in Henderson County commute to work by themself, with nearly half of those residents commuting for over 30 minutes at least 5 days a week.

An estimated 20% of Texas drivers are uninsured throughout the whole state, and over 13,000 vehicles in Henderson County are possibly uninsured or underinsured.

Auto Insurance Analysis:

  1. Nearly 67,000 vehicles registered in Henderson County require insurance coverage. This is not counting the farm auto equipment. Depending on the type of vehicle and its use, the required insurance may be: Private Auto, Farm Auto, Inland Marine, etc. Auto Liability coverage is required for every vehicle on the road.

  2. The majority of Henderson County's roads are in rural areas. Rural roads have less traffic and a lower risk of a collision taking place. Meanwhile, animals are more likely to get in the way of moving cars in rural areas. The majority of animal-related crashes in Texas occur twice a day, from 5-8 a.m. and again from 6 p.m. to midnight. In November, there is the greatest chance of colliding with a deer. As a result, Henderson County residents should consider Comprehensive Auto coverage, which aids in the repair of damage caused by an animal collision.

  3. Auto insurance such as Uninsured Driver Coverage is important, as 1 out of 5 drivers are uninsured in Texas. 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 Henderson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Henderson County Housing

The Henderson County housing market, which has roughly 42,862 units, is divided 3-1 between homeowners and renters. Texas's state average is closer to a 5-3 split between homeowners and renters, respectively. The surrounding counties are mostly owner-occupied as well, with Van Zandt County leading the way with around 78% homeownership, while Smith County, on the other hand, offers ⅓ of its housing for rent.

Almost 1 out of 7 Henderson County housing experiences severe housing problems. The most common issues are associated with high housing costs, overcrowding, lack of plumbing, or issues with the kitchen.

Housing Insurance Analysis:

  1. Nearly 43,000 housing units in Henderson County need insurance coverage. Since the majority of homes in the county are owner-occupied, those units should be covered by Homeowner's Insurance, which serves to protect the owners from either loss or damage.

  2. With almost 11,000 rented units, landlords obtain Landlord Insurance, which covers the property from possible liability claims by their tenants.

  3. As for the tenants, they get Renters Insurance coverage. The purpose of that coverage is to protect their belongings from possible damage or loss. Additionally, renters 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 Henderson County as part of their lease conditions.

For consultation and advice about Homeowners insurance or Renters insurance in Henderson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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Henderson County Health

Henderson County's health insurance rates are higher than the state average. Uninsured adults and children make up approximately 23% of the population. This figure is higher than the 20.7% state average (in 2021). Van Zandt and Navarro Counties have the highest uninsured rate among neighboring counties, both with approximately 24% of residents without health insurance. Kaufman County, on the other hand, has the lowest rate of uninsured residents with approximately 17%. Gaines County has the highest rate of uninsured adults in Texas, approaching 36%, while Loving County has the lowest, around 11%.

Over 1 out of every 5 adults in Henderson County has a health problem. Nearly a third of the population does not engage in physical activity, contributing to 37% of the population being obese, which is higher than the Texas average of 31%. Cherokee County has the highest obesity rate of any peer county, accounting for a staggering 44% of the adult population. Smith County, on the other hand, is said to have the lowest obesity rate among its neighbors, estimated at 33%.

In Henderson County, at least 1 insurer provides affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. Over 15,000 Henderson County residents lack health insurance coverage, which is considered the most important insurance any person should have.

  2. Texas allows multiple types of health insurance coverages for its residents, alongside supplemental products coverage. Health insurance plans that can be found in Henderson County include: Marketplace ACA Health Insurance, Short-Term Insurance, Hospital Indemnity, and many other variations.

  3. For those Texans who may think they cannot afford to purchase health insurance coverage, there are government subsidies that can help low-income consumers to get health insurance coverage at a drastically reduced cost. Don’t get caught in a medical emergency without at least emergency type coverage.

For consultation and advice about health insurance in Henderson County contact a health insurance agent licensed in the state of Texas.

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Health Insurance in Texas

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Henderson County Mortality and the End of Life Statistics

The life expectancy of a Henderson County resident is 74.9 years old, which is much lower than the Texas average of 79.2 years old. When compared to its neighboring counties, Ellis County has the highest life expectancy at 78.6, almost 4 years longer than Henderson County. On the other hand, the lowest would be Anderson County with a rating of 73.8 years old.

In 2022, there were almost 19,000 senior citizens (65 years old and older) residing in Henderson County.

Life Insurance Facts:

  1. 48% of Americans in 2021 have been recorded as not having any type of active life insurance policy.

  2. Life insurance premium heavily depends on the age of the insured when they apply and get accepted for the policy. It is generally advised to lock in the premium price at a younger age as it can provide more savings for the insured over the course of the policy. Plus, if you are using a cash value policy, you give yourself more time to compound the interest.

Motor Vehicle Fatalities in Henderson County

Motor vehicle fatality deaths in Henderson County occur at a rate of 25.02 per 100,000 vehicles on the road. Statistically, this translates to 16-17 fatal crashes per year.

However, in 2020, Texas Department of Transportation (TXDoT) in Henderson County reported 1,123 crashes resulting in 18 fatalities. Alcohol was determined as the main factor for 29% of fatal crashes in Henderson County.

Final Expenses - Henderson County Funeral Home Costs

Funeral expenses in and around Henderson County vary fractionally. The average price of a funeral in Henderson County is reported at almost $7,000, which is the second most expensive among its peer counties behind only Smith County with almost $8,000 funeral cost. Cherokee County has the most affordable funeral cost, closer to a $5,000 average, which is lower than the $6,200 Texas state average.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that roughly 9,000 Liberty County senior citizens may be putting an additional burden on their family and friends with basic funeral expenses. Instead of grieving the loss of a loved one, the family may have to figure out how to pay.

  2. In addition to burial costs, the deceased may have left behind taxes and debts for the surviving family to deal with.

  3. The most common life insurance policies that cover "final expenses" up to $50,000 are term life insurance and final expense insurance.

  4. The most common life insurance policies that allow money to be left to family members are Term Life Insurance and Cash Value Life, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expenses.

For consultation and advice about life insurance in Henderson County, contact an experienced life insurance agent licensed in the state of Texas, who has access to multiple insurers, offering a wide range of insurance products.

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

Life Insurance in Texas

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