Around 4,793 commercial and private vehicles are registered in Lynn County, which accounts for ≈0.02% of all the registered automobiles in Texas.
It is estimated that 80% of the adult drivers in this county commute to their place of work by themself, and over 1 out of 4 of those commuters are on the road for more than half an hour.
With 1 out of 5 Texas vehicles uninsured, nearly 1,000 vehicles in Lynn County are possibly uninsured or underinsured.
The 2,657 homes found inside Lynn County are primarily occupied by the owners themselves, just like the majority of Texas counties, where 62% are inhabited by the owners. Lynn County has a 68% owner-occupied rate, and 32% of the properties are listed for rent.
Among the adjacent counties, Borden County has the highest owner-occupied rate at 76%, while Lubbock County has the lowest with 55% — meaning virtually every other home is a rental.
Approximately 11% of homes in Lynn County experience various housing problems like overcrowding, substandard plumbing, or kitchen-related issues. In nearly 15% of homes, residents allocate half of their income to housing expenses.
Over 2 thousand homes in Lynn County need insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) to protect the properties from damage or even total loss.
Landlords in Lynn County commonly purchase Landlord Insurance, which covers the property and possible liability claims from the tenants.
Tenants take out Renters Insurance, which is quite affordable, and can protect the tenants’ belongings from damage or loss. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Lynn County require Renters Insurance as part of the lease conditions.
Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for advice and consultation about Homeowners, Renters, Flood, Condo, and other kinds of home insurance in Lynn County.
The Texas average for adults not having proper health coverage is 21%, which is the same inLynn County. Looking at the neighbors, Terry County has the highest figure at 26%, while Borden County has the lowest adult uninsured rate at 12%.
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 around 11.4%.
Approximately 27% of Lynn County residents report problems with their health. This is possibly connected with the fact that 1 out of 5 of the adults in the county smoke, 18% consume alcohol excessively, and 18% do not exercise regularly.
Lack of exercise is one of the the main reasons why 26% of Lynn County’s adults are obese (with a BMI of 30 or more) — a figure that is much lower than the state average of 31%. Terry County, on the other hand, has a 37% obesity rate which is the highest in the region, and Garza County has the lowest at 19%.
At least 2 health insurers in Lynn County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.
Over 1 thousand Lynn County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.
Texans can purchase multiple types of health insurance and supplemental products. This makes the shopping process for the best coverage that fits their specific needs (both medically and financially) much easier. Texans can get coverage through Group or Individual Marketplace ACA Health Insurance, various types of Short-Term Insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
Government subsidies exist to assist individuals who cannot afford traditional health insurance coverage.
Short-Term Insurance is another way to save money if you do not have any pre-existing conditions. (If you have had your policy for a year or more, pre-existing conditions may be covered by some Texas multi-year short-term health insurance.)
Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Lynn County.
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.
The average life expectancy in Texas is around 79.2 years, and Lynn County is not too far from this figure at 76.5 years old. Among the bordering counties, Garza County has the longest life expectancy at 78.6 years, while Terry County has the lowest at 74.7 years old.
Statewide, Presidio County has the highest average at 89 years, and Donley County has the lowest life expectancy rate at 73 years old.
In 2022, there were less than 1,000 seniors (65 and older) living in Lynn County.
In 2022, 47% of Americans did not own any kind of life insurance coverage.
It is a misconception that young adults do not need life insurance. Getting a policy at a younger age, while the potential insured is still healthy and unlikely to pass away, can save them a lot of money. Premiums for life insurance become more expensive as the insured gets older.
Roughly 20% of adults in Lynn County smoke, which may increase their life insurance premiums by up to 4 times. A smoker is expected to pass away at a younger age which makes them a higher risk for life insurance carriers to insure.
Permanent Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to borrow against, for emergency expenses, or as a tax-free retirement income.
Motor vehicle fatalities in Lynn County statistically occur at a rate of 32.01 per 100,000 vehicles on the road: approximately 1 to 2 fatal crashes per year.
A traditional funeral in Texas costs around $6,200, but in Lynn County, friends and family may have to spend more as the funeral cost average is approximately $6,600. This average cost is the most expensive among the neighboring counties, followed by Lubbock County at $6,100. Garza County tends to have the most affordable average funeral expense, at $4,700.
Across the entire state of Texas, Polk County has the highest funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.
(Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
The deceased frequently leave unsettled debts and taxes, which can further affect the family left behind.
Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.
There are different kinds of insurance policies that can help the bereaved family through financial assistance. Such life insurance policies can be Term Life Insurance and variations of Permanent Life Insurance: Whole, Indexed Universal Life, and others.
To get advice regarding life insurance in Lynn County and help lighten the load for your family - reach out to a knowledgeable Texas-licensed life insurance agent with access to multiple insurers. An experienced agent can help you evaluate your needs and then offer you multiple solutions to fill them.