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Hunt County

Driving in Hunt County

Hunt County's highways are home to an estimated 80,091 private and commercial vehicles. This statistic represents about 0.34% of all vehicles registered in the state of Texas.

Over 82% of adult drivers in Hunt County drive alone to work, with almost half of those commutes lasting more than 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which means there could be over 16,000 uninsured vehicles in Hunt County alone.

Auto Insurance Analysis:

  1. Hunt County has more than 80 thousand registered vehicles, all of which require insurance coverage. The required insurance may vary depending on the type of vehicle and its intended use, such as Private AutoCommercial or Farm AutoCommercial or Farm Transportation Inland Marine, etc. Liability coverage is required for all vehicles on the road.

  2. With nearly 27,000 Hunt County residents' driving longer times, the cost of car insurance can further go up due to the increased risk of a car accident.

3. Uninsured Driver Coverage remains important across Texas, where 1 out of 5 drivers is uninsured. Uninsured and underinsured auto coverage costs Texans over $900 million per year.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a consultation and advice on auto insurance in Hunt County.

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Car Insurance in Texas

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Hunt County Housing

Just like to the majority of Texas, where most residences are occupied by their owners, Hunt County's approximately 39,480 housing units are split between homeowners (at almost 69%) and renters (at over 31%). The homes in the neighboring counties are also mostly occupied by owners as well, with Rockwall County leading the charts with a ratio of 8-2 between owner-occupied homes and properties being rented out. Collin County, on the other hand, has the lowest homeowner-occupied rate with more than 35% of residences for rent.

Nearly 1 out of 6 housing units in Hunt County experiences housing problems due to high housing costs, overcrowding, a lack of plumbing, or kitchen issues.

Housing Insurance Analysis:

  1. Hunt County has almost 40,000 housing units that require insurance coverage. At the very least, they should all have Homeowners or Condo insurance to protect the property's owners from loss or damage. Apartment complexes are insured using Commercial property coverages.

  2. With over 12,000 rental units in Hunt County, landlords usually purchase Landlord Insurance, which protects their property as well as the landlord from potential liability claims brought by renters.

  3. To protect their things from possible damage or loss, tenants should purchase renter insurance coverage. Theft and damage caused by fire, smoke, water, and vandalism are normally covered by standard renters' insurance. Some Hunt County landlords may make renter's insurance a condition of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a no-cost consultation and advice on home insurance in Hunt County.

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Residential Insurance in Texas

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Hunt County Health

In Hunt County, almost 20% of adults and around 11% of all children do not have proper health insurance coverage. This number is slightly lower than the Texas state average of nearly 21%. Among the neighboring counties, Van Zandt and Hopkins Counties have the highest adult uninsured rate (near 24%), while Collin County has the lowest (around 12% ). Across Texas, Gaines County has the highest uninsured adult rate at over 36%, while Loving County has the lowest, at around 11%. In 2021, Texas' average uninsured rate was over 20%.

More than 1 in 5 adults in Hunt County report problems with health. That is almost 17,000 people.

In Hunt County, over 32% of the residents do not participate in daily physical activity, which results in a higher than normal level of obesity among the population.

Obesity is prevalent in Hunt County, with almost 39% of residents having a BMI of 30 or more, which is much higher than the Texas average of around 31% by a large gap. Collin County has the lowest obesity rate among neighboring counties, with 25% of the residents, while Kaufman County has the highest with nearly 40%.

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

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage, and nearly 17,000 residents of Hunt County lack this necessity.

  2. Texas is one of the states that allow residents to purchase a variety of health insurance and supplemental plans, making it easier for them to get coverage that fits each person’s particular set of needs: Marketplace ACA health insurance, various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, and others.

  3. If health insurance is not obtained because it is too expensive, low-income residents should apply for government subsidies, which can significantly reduce the cost of insurance. Short-term insurance may be an option if you don't have any pre-existing conditions. (Keep in mind that some short-term insurers may cover select pre-existing conditions after a year or more 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 in Hunt County.

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Health Insurance in Texas

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Hunt County Mortality and the End of Life Statistics

Hunt County residents have an average life expectancy of over 76 years, which is a bit lower than the state average of 79.2. Among the neighboring counties, Collin County shows longer life spans (almost 83), while Delta County has shorter life spans (under 75). Statewide, Presidio County reports the highest life expectancy in Texas, at 88.8, while Donley County has the lowest, at 72.8 years.

In 2022, Hunt County senior residents' population was estimated at more than 16,000.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not own a life insurance policy.

  2. Premiums for life insurance are determined based on the insured's age when the coverage begins. The younger you are when you purchase it, the more money it saves you in premiums over the duration of the policy.

Motor Vehicle Fatalities in Hunt County

Motor vehicle fatality deaths in Hunt County, occur at a rate of 24.29 per 100,000 vehicles on the road. This equates to around 19 fatal crashes per year. Alcohol is identified as the primary cause of fatal crashes in Hunt County in around 1/3 of all driving fatalities.

Texas Department of Transportation (TxDoT) reported 1,348 total crashes in Hunt County in 2020, with 26 fatalities as a result.

Final Expenses - Hunt County Funeral Home Cost

The cost of a funeral in and around Hunt County varies greatly. The average cost of a funeral in Hunt County is approximately $5,800, making it one of the lowest in the surrounding area, and lower than the state average of $6,200. Among the neighbors, Collin County has the highest average funeral cost, at nearly $10,000, while funeral homes in Van Zandt County have the lowest average funeral cost, of less than $5,300.

Life Insurance Analysis:

  1. Considering that 46% of Americans die with less than $10,000 in savings, the expense of a basic funeral can be an issue for the family members and friends of approximately 7,000 seniors in Hunt County. Rather than grieving their loss, the family may need to focus on figuring out how to pay.

  2. Aside from the costs of burial, the departed frequently leave behind taxes and other debts for the family to deal with.

  3. Term Life Insurance and Final Expense Insurance are the most commonly utilized life insurance policies to cover "final expenses" up to $50,000.

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

For consultation and advice on life insurance options available in Hunt County, contact a knowledgeable and state-licensed life insurance professional with access to multiple insurers and insurance plans to fit a variety of needs.

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

Life Insurance in Texas

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