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Kaufman County

Driving in Kaufman County

Kaufman County has approximately 118,641 registered vehicles for both commercial and personal use. These vehicles make up about 0.5% of all registered vehicles in Texas.

Almost 82% of adult drivers in Kaufman County drive to work every day, with nearly two-thirds of those trips lasting more than 30 minutes.

Approximately 20% of Texas vehicles are uninsured, which means that nearly 24,000 vehicles in Kaufman County may be uninsured or underinsured.

Car insurance is mandatory in Texas as "proof of financial responsibility," and driving without it is a crime.

Auto Insurance Analysis:

  1. Almost 120,000 registered vehicles in Kaufman County require auto insurance. Private auto insurance, commercial or farm auto insurance, auto liability insurance, commercial inland marine insurance, and so on may be required. Auto insurance may also be affected by the type of vehicle and its intended use.

  2. Uninsured driver coverage is becoming increasingly important in Texas, where one out of every five drivers is uninsured or underinsured. Uninsured and underinsured motorist coverage costs Texans almost $900 million per year.

Contact a Property & Casualty insurance agent licensed in the state of Texas if you need consultation and advice on Auto insurance in Kaufman County.

Kaufman County Housing

Kaufman County's approximately 46,522 housing unit market is split between homeowners (77%) and renters (23%), similar to the rest of Texas, where most homes are owner-occupied. The Texas state average ratio of homeowners to renters is around 3 to 2. The surrounding counties are mostly made up of owner-occupied homes as well, with Rockwall County at the top, with nearly 82% homeownership and Dallas County at the bottom with only 50% homeownership.

Overcrowding, lack of plumbing, and/or unsanitary kitchen conditions affect around one out of every eight housing units in Kaufman County.

Housing Insurance Analysis:

  1. Almost 47 thousand housing units in Kaufman County should be insured. All housing units should have homeowner's insurance to protect the owner's property from loss or damage (Homeowners or Condo). Business Property insurance covers apartment complexes, while condo association buildings themselves are covered by a Business condo association insurance.

  2. Kaufman County has nearly 11,000 rental units, all of which should be insured with Landlord Insurance. Landlord insurance protects both the property and the owner from potential liability issues.

  3. Tenants typically purchase Renters Insurance to protect their belongings from potential damage or loss. The standard Renter's Insurance policy covers theft and damage caused by water, fire, smoke, and vandalism. Landlords may also require renter's insurance as a condition of the lease.

  4. Kaufman County is located in Tornado Alley. Kaufman County has had two or more tornadoes per year on average, out of around 132 tornadoes that affect the entire state of Texas each year. The highest probability of a Tornado in Kaufman County is in April and May, followed by October and March. As a result, it is advised that county homeowners, landlords, and renters obtain appropriate insurance policies against loss and damage.

Contact a Property & Casualty insurance agent licensed in the state of Texas for consultation and advice on Homeowners insurance or Renters insurance in Kaufman County.

Kaufman County Health

Kaufman County has lower health insurance rates than the state average. Uninsured adults and children account for approximately 17% of the population, the lowest among neighboring counties. This figure is significantly lower than the state average of 20.7% (in 2021). Dallas County has the highest rate of uninsured residents among neighboring counties, with approximately 25% of residents lacking proper health coverage. Gaines County, on the other hand, has the highest rate of uninsured adults in Texas, approaching 36%, while Loving County has the lowest, around 11%.

1 in 5 adults in Kaufman County has a health problem. Approximately a third of the population does not engage in physical activity, contributing to almost 2-5 of the population being obese, which is greater than the Texas average of 31%. Kaufman County has the highest obesity rate of any peer county, while Dallas County followed by Rockwall County has the lowest obesity rate among its neighbors, both near 31%.

In Kaufman 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. Health insurance is the most important type of insurance, and nearly 23,000 Kaufman County residents lack it.

  2. Texas is one of the states in the country that provides a broader range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-compliant Group and Individual marketplace health insurance, various types of short-term insurance (up to 3 years in coverage), hospital indemnity, accident, and health insurance, and so on.

  3. Health insurance can be prohibitively expensive, particularly for those with low incomes, so they are advised to apply for government subsidies, which can significantly reduce the cost of insurance. Short-term insurance may be an option if you do not have any pre-existing conditions. (Keep in mind that some multi-year short-term plans may cover specific pre-existing conditions after a full year of coverage.)

If you need consultation and advice on health insurance in Kaufman County, contact a Texas-licensed health insurance agent.

Kaufman County Mortality and the End of Life Statistics

The average lifespan in Kaufman County is estimated to be around 76.6 years old, which is lower than the Texas state average of 79.2 years old. Rockwall County has the highest life expectancy among neighboring counties, at 80.5 years old, which is 4 years older than Kaufman County, and Henderson County has the lowest, at 74.9 years old. Presidio County, on the other hand, has the highest average life expectancy rate in the state, with 88.8 years. With a life expectancy of 72.8 years, Donley County has the lowest life expectancy.

Kaufman County had nearly 18,000 senior (65 and older) residents on record as of 2022.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have any type of active life insurance policy.

  2. Life insurance premiums are based on the insured's age at the start of the policy, so the younger you are when you get it, the less you will have to pay in premiums over the course of the policy period.

Motor Vehicle Fatalities in Kaufman County

Each year, approximately 22-23 fatal crashes occur on Kaufman County roads, with a rate of 18.68 fatal crashes per 100,000 vehicles on the road.

Kaufman County had 1,937 crashes in 2020, with 32 fatalities, according to the Texas Department of Transportation (TxDoT). Alcohol was responsible for nearly one-third of all traffic deaths.

Final Expenses - Kaufman County Funeral Home Cost

A traditional memorial service in Texas can cost between $5,000 and $12,000, which includes the basic service fees, casket, embalming, transportation, viewing, and burial. The average memorial service cost in Texas is $6,200, while the average memorial service cost in Kaufman County is closer to $6,000. Among neighboring counties, Ellis County has the most affordable memorial service costs (near $5,000), while Dallas County has the most expensive memorial service costs at around $9,000.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that over 8,000 Kaufman County seniors may be putting an undue burden on their family and friends with basic funeral expenses. For example, instead of grieving the loss of a loved one, the family must find a way to settle the bill.

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

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

  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.

Contact a Texas-licensed life insurance agent if you need life insurance consultation and advice in Kaufman County.