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Jackson County

Driving in Jackson County

Around 11,699 private and commercial automobiles consider Jackson County roads as their home. This accounts for roughly 0.05% of the total vehicles registered in Texas.

The number of drivers that travel to and from work alone is over 80%, and less than half of those commutes last for over half an hour.

Uninsured drivers in Texas make up 20% of the total number of drivers, and more than 2,000 vehicles in Jackson County alone are uninsured.

Auto Insurance Analysis:

  1. The number of registered vehicles in Jackson County that need insurance coverage is over 11 thousand. The kind of coverage needed all depends on the type of automobile and usage. The required insurance may be: Gap Coverage, Farm or Commercial Auto, Collision Coverage, Non owners car insurance, Farm or Commercial Transportation, Inland Marine, etc.

  2. Rural roads mostly dominate Jackson County. These roads have less traffic and less potential for car collisions. Meanwhile, rural areas are more prone to animals getting in the way of moving cars. Most 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, Jackson County residents should consider Comprehensive Auto coverage, which helps repair the damage after hitting an animal.

  3. Uninsured Driver Coverage remains crucially important with 1 out of 5 drivers uninsured in Texas. Residents spend almost $900 million yearly to pay for uninsured and underinsured Auto Coverage.

To receive expert advice about auto insurance in Jackson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Jackson County Housing

Jackson County is similar to the majority of Texas, where the housing market is dominated by owner-occupied homes. There are approximately 6,884-housing units on the local real estate market, with almost 70% Homeowner-occupied and 30% for Rent. Within its nearby counties, Colorado County has the highest rate of homes inhabited by the owners, at 82% and around 18% of housing listed for rent.

Roughly 15% of housing units in Jackson County encounter housing issues like issues of plumbing, overcrowding, or kitchen problems. Residents spend more than half of their income on housing in around 15% of homes.

Housing Insurance Analysis:

  1. Nearly 7 thousand housing units in Jackson County need insurance coverage. To protect the investment from possible loss or property damage, all of the owners should have: Homeowners insurance, Condo insurance, and/or Business property insurance (for apartment complexes).

  2. Jackson County has over 2,000 housing units listed for rent, for which the landlords acquire Landlord Insurance. It protects the property and the landlord from the possible liability claims that can come from renting the property out.

  3. To protect the tenant’s belongings from damage or loss, renters usually obtain Renters Insurance. Average renters’ insurance is affordable and can cover properties from burglary and damages caused by fire, smoke, water, and vandalism. Renters insurance may be one of the lease conditions required by landlords in Jackson County.

  4. Jackson County is in the vicinity of the Gulf of Mexico, therefore placing it among the top candidates to be damaged by a stray hurricane and or a flood event. Jackson County residents need to understand how this risk influences their home insurance coverage. Everyone needs to be prepared and know what to do in case of a hurricane.

For inquiries and other information about Homeowners, Renters, Condo, Flood and different types of residential property insurance in Jackson County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

A Texas P&C Insurance Agent:

  • Examines your needs and limitations
  • Explores the plans in your area that best suit your needs
  • Lays out available options of coverage
  • Describes the effect of the different options once the insurance policy becomes active
  • Helps you with the process of application
  • Does not influence your cost of insurance. (agent’s service is paid by the insurer)

Jackson County Health

Jackson County is ranked 3rd among its neighboring counties when it comes to having proper health insurance coverage. Roughly 1 in 5 adults and almost 12% of children do not have proper health insurance coverage. The highest adult uninsured rate among its peer counties is in Wharton County, with 26%, while the lowest rate is found in Lavaca County with 19%. In the entire state of Texas, Gaines County holds the highest rate at 36%, while the lowest is in Loving County at 11.4%. In 2021, the average adult uninsured rate in Texas was around 21%.

Approximately 1 in 5 residents in Jackson County encounter health problems. That is more than 2,300 people.

The rate of residents in Jackson County who do not participate in physical exercise activities is at 29%.

33% of the population in Jackson County are considered obese (with a BMI of 30 or more). This rate is close to the Texas average of 31%. Within its neighboring counties, Lavaca County has the highest rate at 40%, while Colorado County reports the lowest at 25%.

At least one health insurer in Jackson County offers cheap and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. More than 2,600 residents of Jackson County do not have the most important insurance coverage, which is health insurance.

  2. The purchasing of multiple types of health insurance is allowed in the state of Texas. This is convenient for residents who wish to acquire coverage that fits their specific needs (both medically and financially): Group or Individual Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. Low-income consumers are advised to apply for government health insurance subsidies if they are unable to afford health insurance. This can greatly reduce the out-of-pocket costs of insurance.

  4. Short-term health insurance can provide another option if you do not have pre-existing conditions. (Some Texas multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage.

Talk with a state-licensed Texas health insurance professional with access to multiple health insurance options available in Jackson County.

Jackson County Mortality and the End of Life Statistics

Jackson County residents have an average life expectancy of 76.8 years, close to the Texas average of 79.2. Within its neighboring counties, Lavaca County has the longest life span at 79.2 years, while Matagorda County has the shortest at 75.9 years. In the state of Texas, Presidio County holds the longest life span at 88.8 years, and Donley County has the shortest expected lifespan at 72.8 years.

There were roughly 2,700 seniors (65 and older) living in Jackson County in 2022.

Life Insurance Facts:

  1. Around 48% of Americans did not have an active life insurance policy in 2021.

  2. Residents can save more if they avail life insurance at an early age. Life insurance premiums are based on the insured's age when the policy begins, among other factors.

Motor Vehicle Fatalities in Jackson County

In Jackson County, vehicle fatalities occur at a rate of 27.07 per 100,000 cars, with more than three fatal crashes yearly.

In 2020, the Texas Department of Transportation (TxDoT) reported 264 crashes in Jackson County, resulting in 8 deaths. One of the main factors for vehicular accidents is alcohol, with almost 27% of the total driving fatalities.

Final Expenses - Jackson County Funeral Home Cost

There is a big difference in funeral expenses in Jackson County. Funeral cost averages at $5,500, which is lower than its peer counties like Matagorda County and Victoria County, both at over $7,000 in average funeral expenses. Texas states’ average funeral cost is roughly $6,200.

In the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.

Life Insurance Analysis:

  1. About 46% of Americans pass away with savings of no more than $10,000. This means that some of the senior residents of Jackson County could be placing an unnecessary financial burden on their family and friends. They have no time to grieve as they need to prioritize finding a way to pay for the actual funeral. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased also frequently leave taxes and other debt behind aside from burial costs that the family needs to take care of.

  3. The most used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense Insurance.

  4. The most common 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.

Talk with a licensed Texas insurance professional about life insurance options in Jackson County. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.