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Leon County

Driving in Leon County

Leon County locals have an estimated 13,832 registered private and commercial automobiles, accounting for around 0.06% of all vehicles registered in Texas.
Almost 76% of adult drivers in Leon County drive alone to work, and more than half of those commutes last more than 30 minutes.
It is estimated that one in every five Texas drivers is uninsured, which means over 2,700 vehicles in Leon County may not have any type of coverage.

Auto Insurance Analysis:

  1. Nearly 14 thousand vehicles registered in Leon County are required to have Auto Liability insurance as mandated by Texas law. Depending on the kind of vehicle and its use, Private Auto, Farm Auto, Comprehensive Coverage, Farm Transportation, Inland Marine, and other forms of insurance may be required.
  2. Most of Leon County roads are in rural areas. Rural roads have less traffic and a lower risk of vehicle collisions. Meanwhile, animals are more likely to get in the way of moving cars in rural areas. The majority of crashes into animals in Texas happen twice a day, from 5-8 a.m. and again from 6 p.m. to midnight. The month of November has the highest chance of a collision with a deer. As a result, residents of Leon County are usually suggested Comprehensive Auto coverage, which assists in repairing damage caused by an animal collision.
  3. Uninsured Driver Coverage is becoming more important in Texas since one out of every five drivers is uninsured. Every year, Texans pay roughly $900 million on uninsured and underinsured vehicle coverage.
    Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a free consultation and advice on auto insurance in Leon County.
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Car Insurance in Texas

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Leon County Housing

Leon County had approximately 10,131 housing units in 2022. The county's housing market is split between homeowners (77%) and renters (23%), which is more homeowner-dominated compared to the state average of 62% homeowner and 38% renter-occupied. The surrounding counties are mostly composed of owner-occupied homes as well, with Freestone County and Leon County leading the group both with 77% owner-occupied rates, and Anderson County and Houston County coming in last, both with around 30% of residential dwellings for rent.

In approximately 15% of homes, housing expenses consume more than half of a household's income. Overcrowding, issues with plumbing, or kitchen problems affect more than 11% of housing units in Leon County.

Housing Insurance Analysis:

  1. Leon County has over 10,000 homes that need insurance. At the very least, they should all have Homeowner's coverage to secure the property's owners from loss or damage, as well as to protect the underlying financial investment from loss or damage.

  2. With over 2,000 units on the rental market, landlords obtain Landlord Insurance. This safeguards the property against potential liability claims made by its tenants.

  3. Tenants purchase Renters Insurance to secure their property from loss or damage. Renters' insurance is usually inexpensive and covers the tenant's belongings against theft as well as damage caused by fire, smoke, water, and vandalism. Renters insurance may be required by some Leon County landlords as a condition of the lease.

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

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Residential Insurance in Texas

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Leon County Health

Leon County's uninsured adult rate is the worst among its immediate neighbors. With more than 1 out of 4 adults (≈26%) and almost 20% of all children not having health insurance, Leon County has the highest uninsured adult rate among its neighboring counties. On the other hand, Robertson County has the lowest uninsured adult rate at 20%.

Gaines County has the highest uninsured adult rate in Texas, at nearly 36%, while Loving County has the lowest rate, at more than 11%. The average adult uninsured rate in Texas was around 20.7 % in 2021.

More than one in every five people in the county are reporting health-related problems. That equates to over 3,000 people.

Roughly 31% of Leon County residents do not engage in physical activity, which is probably the primary reason why 33% of Leon County residents are obese (with a BMI of 30 or higher). This is higher than the 31% Texas average. Limestone County and Robertson County have the highest obesity rates, both at 42%, while Houston County has the lowest figure in the region, with 28% of adults being obese.

On and off the state marketplace, at least 3 health insurers in Leon County provide affordable and frequently subsidized ACA health insurance.

Health Insurance Analysis:

  1. The most vital type of insurance is health insurance, and more than 3,000 Leon County residents lack proper coverage.

  2. Texas is one of the states that allow the sale of various health insurance coverages and supplemental products. This makes it easier for Leon County residents to obtain coverage that meets their specific needs (both medically and financially): Group or Individual Marketplace ACA health insurance, Short-term insurance, Hospital Indemnity, Accident & Health, etc.

  3. If low-income residents are unable to acquire health insurance due to financial constraints, they should apply for government subsidies, which can significantly lower insurance costs.

  4. If you do not have any pre-existing conditions, short-term insurance may be an option. (* Some Texas multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage).

For consultation and advice about health insurance in Leon County, contact a knowledgeable health insurance agent licensed in the state of Texas.

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Health Insurance in Texas

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Leon County Mortality and the End of Life Statistics

Approximately 77.8 years old is the average life expectancy in Leon County, which is lower than the Texas average of 79.2 years old. When compared to its neighboring counties, Leon County has the highest life expectancy, and Anderson County has the lowest at 73.3 years old. Statewide, Donley County has the lowest life expectancy at 72.8 years, while Presidio County has the highest, at 88.8 years.

In 2022, there were more than 4,000 senior residents (65 and older) in Waller County.

Life Insurance Facts:

  1. 47% of Americans were recorded as not having any type of active life insurance policy in 2022.

  2. It is important to note that the cost of life insurance is affected by the insured's age when they apply and are accepted for the policy. Locking in the premium price at a younger age can save the insured some money over the course of the policy.

Motor Vehicle Fatalities in Leon County

In Leon County, motor vehicle deaths occur at a rate of 45.04 per 100,000 cars on the road. On average, this corresponds to 6-7 fatal crashes every year.

The Texas Department of Transportation (TxDoT) reported 423 crashes in Leon County in 2020, with 7 fatalities. Alcohol has been determined to be the main cause of fatal crashes in around 16% of all driving fatalities in Leon County.

Final Expenses – Leon County Funeral Home Cost

The cost of a funeral in and around Leon County varies greatly. The average cost of a funeral in Leon County is around $6,300, which is more expensive than the state's average of $6,200. Among its neighboring counties, Freestone County and Leon County share the highest funeral expense cost average, while Limestone County has the lowest at closer to $4,900.

Life Insurance Analysis (continued):

  1. With 46% of Americans dying with less than $10,000 in savings, almost 2 thousand Leon County senior residents may be putting an unnecessary and frequently unbearable financial burden on their family and friends. Rather than focusing on their loss, the family must concentrate on finding a way to pay for funeral expenses. (Note: When using life insurance to pay for funeral services, most funeral homes require the policy to be "assignable."

  2. In addition to burial costs, the deceased frequently leave unpaid taxes and other debts for the surviving family to deal with.

  3. Term life and final expense insurance are the most commonly used types of life insurance policies for covering "final expenses" of up to $50,000.

  4. Variations of Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense insurance, are the most common life insurance policies used to leave money to family members.

For consultation and advice about life insurance in Leon County, contact a knowledgeable life insurance agent licensed in the state of Texas.

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

Life Insurance in Texas

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