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Kleberg County

Driving in Kleberg County

The total number of registered vehicles in Kleberg County is estimated to be 23,754. This figure represents roughly 0.1% of all vehicles registered in the state of Texas. Transportation to and from work is the most popular use of vehicles in the county. Individuals who drive alone to work in Kleberg County account for nearly 79% of the total, with more than 1/4 of those commuting daily for 30 minutes or more.

It is estimated that 20% of Texas drivers are uninsured, with nearly 5,000 vehicles possibly uninsured in Kleberg County alone.

Auto Insurance Analysis:

  1. Nearly 24,000 vehicles registered in Kleberg County need to have Liability Insurance. In addition to the state-mandated coverage, the vehicles' intended use may necessitate supplemental insurance such as: Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, and others.

  2. The fact that one out of every five Texas drivers is uninsured emphasizes the importance of having Uninsured Driver Coverage in place. Every year, Texas residents pay nearly $900 million for Uninsured and Underinsured Motorist coverage. If you are stopped while driving without insurance, you will face a fine, and if you are a repeat offender, your vehicle may be seized. Additionally, your driving privileges may be revoked.

Speak to a professional Texas Property & Casualty (P&C) insurance agent to get consultation and guidance on Auto insurance in Kleberg County.

Kleberg County Housing

Similar to the rest of Texas, where the majority of homes are owner-occupied, Kleberg County has around 13,329 housing units, with about 53% of those units inhabited by homeowners and the other 47% by renters. The bordering counties are mostly composed of owner-occupied homes as well, with Jim Wells County leading the way with nearly a 71% owner-occupied rate, which is significantly higher than the Texas average of 62%.

Kenedy County has the lowest homeownership percentage at over 23% — this means that almost 8 out of 10 homes are listed as rentals, which is quite uncommon in Texas.

Nearly 1 in 5 housing units in Kleberg County has housing concerns, such as overcrowding, a lack of plumbing, or kitchen problems. Around 15% of households spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. There are over 13 thousand housing units in Kleberg County that need insurance coverage. It is recommended that the owners of these properties have at least the basic minimum of Home Insurance (which may include Homeowners, Condo Insurance, and/or Business Property Insurance). If a damage-causing incident covered by this policy occurs, this insurance will assist the owners in replacing or repairing the building's structure or its contents.

  2. Landlord insurance is advised for the owners of over 6,000 renter-occupied Kleberg County dwelling units. Landlord insurance protects the property owner against loss of rental income and property damage. If a renter sues the landlord for liability, the insurance will cover both the property and the landlord.

  3. Renters Insurance, which is significantly less expensive than Homeowners Insurance, can protect tenants. Renters insurance protects you against losses caused by theft or loss of property, as well as vandalism, smoke, sewage backup damage, flood, or fire. The agreement also protects the tenant from liability if someone is injured on the property. Kleberg County landlords may occasionally require renters to obtain Renters insurance before signing a lease.

  4. Kleberg County’s proximity to the Gulf of Mexico places it among the top candidates to be damaged by a stray hurricane. In addition to being prepared and knowing what to do in case of a hurricane, Kleberg County residents must understand how this risk influences their home insurance coverage.

Contact a Texas-licensed Property & Casualty (P&C) insurance agent to get advice on the kind of housing insurance coverage you need in Kleberg County.

Kleberg County Health

In Kleberg County, 1 out of 5 adults and more than 9% of all children do not have proper health insurance. Kenedy County has the highest adult uninsured rate of any surrounding county, at more than 26%. At 19%, Brooks County has the lowest figure in the area. Gaines County has the highest number of uninsured adults in Texas, at over 36%, while Loving County has the lowest rate, at 11.4 percent. In 2021, the average adult uninsured rate in Texas was approximately 20.7 percent.

More than 1 in 4 adults (over 6,000 residents) in Kleberg County has a health problem.

25% of Kleberg County residents do not engage in any form of physical activity., while obesity affects approximately 33% of Kleberg County residents (with a BMI of 30 or above), which is higher than the Texas average of 31.4%. Nueces County has the same rate as Kleberg County, while Brooks County has the highest average among its neighbors at around 35%. Kenedy County, on the other hand, has the lowest obesity rate (22%).

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

Health Insurance Analysis:

  1. Health insurance is the most critical type of insurance, and over 5 thousand residents of Kleberg County lacked this essential coverage in 2022.

  2. Texas offers a diverse choice of health insurance options, making it easier for customers to obtain coverage. Group or Individual Marketplace ACA health insurance, Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health insurance, and other choices are available.

  3. If health insurance is not obtained due to high costs, low-income individuals should apply for government subsidies, which can significantly reduce 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)

To get consultation, information, and help in acquiring health insurance in Kleberg County, discuss your needs and goals with a licensed Texas health insurance agent.

Kleberg County Mortality and the End of Life Statistics

Approximately 74.6 years is the life expectancy of a Kleberg County resident, which is lower than the Texas average of 79.2. Nueces County has the longest life expectancy among its peer counties at 78.4 years old, 4 years longer than Kleberg County. Brooks County has the second-shortest life expectancy at 74.7 years old, after Kleberg County. Presidio County has the longest life expectancy in the state at 88.8 years, while Donley County has the lowest at 72.8 years old.

Nearly 4,000 seniors (age 65 and over) resided in Kleberg County in 2022.

Life Insurance Facts:

  1. According to 2021 research, more than 48% of residents in the United States did not have any type of life insurance coverage.

  2. The cost of life insurance premiums is determined by the insured's age when the policy is initiated, among other factors. The younger and healthier you are when you start coverage, the less money you will have to pay in premiums over the term of the policy.

Motor Vehicle Fatalities in Kleberg County

In Kleberg County, motor vehicle fatalities occur at a rate of 13.59 per 100,000 vehicles on the road, resulting in the average of over 3 fatal crashes per year.

The Texas Department of Transportation (TxDoT) reported nearly 351 crashes in Kleberg County in 2020, with 4 fatalities as a result. In Kleberg County, alcohol is confirmed to be the primary cause of fatal collisions in around 8% of all driving deaths.

Final Expenses – Kleberg County Funeral Home Cost

The cost of a funeral in and around Kleberg County varies significantly. Funerals in Kleberg County cost an average of more than $6,600, which is more expensive than the state average of $6,200. Among Kleberg County's neighbors, Jim Wells County funeral services can cost more than $6,700, while Kenedy County funeral may cost closer to $3,000.

In fact, Kenedy County is tied with Willacy County for having the most affordable average funeral cost in Texas. Polk County, on the other hand, is believed to have the highest average at $10,900.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, some senior residents may be inflicting a needless and possibly unbearable financial burden on their families and loved ones. Instead of focusing on their grief, the family may have to concentrate on figuring out how to shoulder the expenses. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Taxes and other bills are often left behind by the deceased for the friends and family to deal with.

  3. Term life insurance and Final Expense insurance are the two most often utilized types of life insurance plans to cover "final expenses" up to $50,000 in coverage.

  4. When it comes to leaving a larger sum of money to the family, the most generally utilized types of life insurance are versions of: Term Life Insurance, and variations of Permanent Life Insurance such as Whole Life Insurance, Indexed Universal Life (IUL) insurance, and Final Expense.

Speak with a knowledgeable licensed Texas insurance professional about life insurance options in Kleberg County.