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Jim Hogg County

Driving in Jim Hogg County

An estimated 4,077 private and commercial vehicles call the roads of Jim Hogg County their home. This number accounts for approximately 0.02% of all vehicles registered in the entire state of Texas.

Over 72% of adult drivers in Jim Hogg County commute to work by themself, and almost half of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, and about 815 vehicles in Jim Hogg County alone are uninsured.

Auto Insurance Analysis:

  1. Over 4 thousand vehicles registered in Jim Hogg County need insurance coverage. Liability coverage is required for all vehicles on the road to protect others from the damage you may cause in an accident. Depending on the type of vehicle and its use, the required insurance may be: Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc.

  2. With 1 out 5 drivers uninsured in Texas, Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

To discuss your auto insurance in Jim Hogg 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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Jim Hogg County Housing

Just like the majority of Texas, where the homes are mostly owner-occupied, Jim Hogg County’s 2,473 housing unit market is split between Homeowner-occupied (72%) and Renters (28%). The neighboring counties largely consist of homes occupied by owners, with Starr and Zapata counties both leading with a 75% owner-occupied rate and 25% of housing listed for rent.

Approximately 16% of housing units in Jim Hogg County experience housing problems, overcrowding, lack of 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. Over 2 thousand housing units in Jim Hogg County need insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes) to protect the underlying financial investment from possible loss or damage.

  2. Residential property owners in Jim Hogg County obtain Landlord Insurance, which covers the property itself and the possible liability claims arising from the tenants and their guests.

  3. Tenants buy Renters Insurance coverage to protect their belongings from possible damage or loss. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Jim Hogg County may require Renters insurance as a condition of the lease.

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

A Texas P&C Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the locally available plans that fit your needs,
  • provides you with the available options of coverage,
  • explains how the differences between the options affect you once you start using each insurance product
  • assists you with the application process
  • does not affect your cost of insurance. (agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Jim Hogg County Health

Approximately 18% of the adults in Jim Hogg County under 65 years old do not have proper health insurance coverage — which is a better figure than the state average (≈21%) and the lowest in its region. Among the neighboring counties, Brooks County has the second-lowest uninsured adult rate at 19%. Starr County, on the other hand, has the highest figure at 69%.

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%. As of 2021, the average adult uninsured rate in Texas was around 20.7%.

Roughly 1 out of 3 (over 1,200) residents in Jim Hogg County reports problems with health.

22% of the Jim Hogg County population do not participate in physical exercise activities.

Around 23% of the Jim Hogg County residents are considered obese (with a BMI of 30 or more), which is lower than the Texas average of 31.4%. Among the neighboring counties, Duval County has the second-lowest obesity rate after Jim Hogg County – at 26% of the residents, while almost 35% and 37% of adults from Brooks and Webb counties may be considered obese, respectively.

At least 1 health insurer in Jim Hogg County offers affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage, and almost 800 residents of Jim Hogg County lack this necessity.

  2. 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.

  3. If health insurance is not being purchased due to unaffordability, low-income consumers are generally advised to apply for government subsidies, which can substantially lower the cost of insurance.

  4. If you do not have pre-existing conditions, Short-term insurance may provide an alternative saving path. (* Some Texas multi-year short term health insurance plans may cover certain 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 to the Jim Hogg County residents.

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.

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Health Insurance in Texas

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Jim Hogg County Mortality and the End of Life Statistics

The average life expectancy for the residents of Jim Hogg County is around 76.7 years old, which is a bit below the Texas average of 79.2. Among the neighboring counties, Webb County shows longest life spans, adding more than 4 years on top of Jim Hogg County, while Duval and Brooks counties have the shortest life expectancy figures in the region, both at 74.7 years.

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 approximately 800 seniors (65 and older) residing in Jim Hogg County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not have an active life insurance policy of any type.

  2. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy.

  3. Approximately 17% of the adults in Jim Hogg County smoke, and this habit will definitely increase the life insurance premiums by up to 4 times compared to non-smokers. A smoker’s life expectancy is deemed shorter, making them more of a risk than people who do not smoke.

Motor Vehicle Fatalities in Jim Hogg County

Motor vehicle fatalities in Jim Hogg County statistically occur at a rate of 35.62 per 100,000 vehicles on the road: approximately 2 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 23 crashes in Jim Hogg County, with zero fatalities. Alcohol is determined as the main factor for the fatal crashes in Jim Hogg County in over 33% of all driving fatalities.

Final Expenses – Jim Hogg County Funeral Home Cost

The average price of a funeral in Jim Hogg County is reported at almost $8,600, which is significantly higher than the state average (≈$6,200). Among the neighbors of Jim Hogg County, Zapata County reports the same funeral cost average of almost $8,600, while Starr County funeral homes may be found for nearly half of this price (≈$4,200)- much closer to the state’s average of $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. With 46% of Americans dying with savings of less than $10,000, senior residents could be placing the unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of.

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

  4. The most commonly used 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.

To find out more about life insurance options in Jim Hogg County, speak with a state-licensed and knowledgeable life insurance professional who has access to multiple insurers for comparison.

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

Life Insurance in Texas

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