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Marion County

Driving in Marion County

There are approximately 23 million vehicles listed in Texas, and 0.03% of them are registered in Marion County — this translates to roughly 7,805 vehicles used either for personal or business purposes.
It is estimated that 83% of the adult drivers in the county commute daily by themselves, and more than half of them take at least 30 minutes to complete a trip.
Approximately 20% of drivers in Texas are uninsured, and over 1,500 vehicles in Marion County alone could be uninsured or underinsured.

Auto Insurance Analysis:

  1. Marion County has nearly 8 thousand registered automobiles, and they could all use auto insurance coverage. Collision Coverage, Gap Coverage, Comprehensive Auto, and Farm Transportation are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them. Auto Liability Coverage, on the other hand, is required by law in Texas.
  2. Uninsured Driver Coverage is becoming more important to Texas vehicle owners since 20% of its drivers don’t have proper coverage. Texans spend nearly $900 annually on Uninsured and Underinsured Auto Coverage costs.
  3. Virtually all roads in Marion County are rural, and these kinds of roads have less traffic and less potential for vehicular collision. Meanwhile, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Marion county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverage does not cover this type of incident.
  4. In 2019, it is reported that Animal-vehicle collisions (AVCs) make up 5% of all reported motor vehicle collisions in the country. Almost all of these incidents took place on rural roads.
    To get auto insurance advice in Marion County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas. Agents may have access to multiple insurers and they can help you evaluate your needs.

Marion County Housing

Marion County’s 6,631 housing unit market is similar to the majority of Texas, where most of the homes are inhabited by the owners at a rate of 77%, while the Texas average is at 62%. Marion County has the third-highest owner-occupied rate.

Cass County is leading the region in this category at 79%, which means that roughly 2 out of 10 homes are listed for rent. Harrison County, on the other hand, has the lowest owner-occupied percentage at 72%.

Approximately 13% of the homes in Marion County experience various housing issues like overcrowding, poor plumbing, or kitchen-related problems. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Nearly 7 thousand homes in Marion 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 loss.

  2. With more than 1 thousand housing units in Marion County listed for rent, landlords purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. Tenants obtain Renters Insurance to protect their belongings from damage or loss. The average cost of this coverage is usually quite affordable, and it covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Marion County include Renters Insurance as a requirement of the lease.

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 Marion County.

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences in the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance (Agent’s service is usually paid by the insurer)

Marion County Health

Approximately 20% of Marion County residents that are under 65 do not have proper health insurance coverage, this figure is pretty close to the state average of 21%. In its region, Marion County is tied with Harrison County with the worst uninsured rate, while Cass County has the lowest percentage at 17%.

In Texas, Gaines County has the highest figure for this demographic at 36%. On the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.

Around 24% of the residents in Marion County report problems with their health, which means that almost 2,000 of its residents are in poor health.

On top of that, 29% of the population in Marion County do not exercise regularly, which could be the main reason why 45% of the residents are considered obese (with a BMI of 30 or more). Looking at the neighbors, Cass County has the most obese residents at 46%, and Upshur County has the least at 30%.

There are at least 2 health insurers in Marion County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Almost 2 thousand Marion County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. The sale of multiple types of health insurance and supplemental products is permitted in Texas, which makes the shopping process for the best coverage that fits your 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.

  3. Individuals who cannot afford health insurance can reach out to a health insurance agent who can help them apply for government subsidies. These can help lower or even eliminate the out-of-pocket costs regarding health insurance.

  4. 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 Marion County.

Marion County Mortality and the End of Life Statistics

The average life expectancy in the state of Texas is 79.2 years old, and this average is considerably higher than Marion County’s 74.5-year average, which is among the lowest figures in its region.

Among the neighboring counties, Harrison County has the longest life expectancy at 76.5 years old, and Morris County has the shortest at 74.3 years.

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 approximately 2,700 seniors (65 and older) living in Marion County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not own any kind of life insurance coverage.

  2. Young adults falsely believe that life insurance is the least of their worries. However, should they decide to take out a policy while they are still young, they can save a considerable sum in terms of premiums. Life insurance premiums go up along with the policyholder’s age.

  3. More or less 24% of Marion County residents smoke, and this habit will significantly increase the cost of their policy. A smoker’s life insurance premiums can be up to 4 times more expensive than a non-smoker's, as their life expectancy is deemed shorter.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to pay for premiums, emergency expenses, or a tax-free retirement income stream.

Motor Vehicle Fatalities in Marion County

Motor vehicle fatalities in Marion County occur at a rate of 39.7 per 100,000 vehicles on the road, averaging 3 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 139 crashes in Marion County, which led to 5 fatalities. Around 23% of the fatal car crashes in Marion County involved alcohol.

Final Expenses – Marion County Funeral Home Cost

A traditional funeral in Marion County costs around $6,000 — this figure is a little less expensive than the state average of $6,200. Looking at Marion County’s neighbors, Upshur County has the most expensive average funeral cost at $6,500, and Harrison County comes in at a close second with a $6,400 average. Cass County has the most affordable funerals, with an average of $5,200.

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 less than $10,000 in assets, the departed’s family and friends may have to find a way to pay for the funeral. This could be a stressful situation, given that these individuals are supposed to mourn for their loved one who just passed away.

  2. On top of burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.

  4. 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 Marion County and help lighten the load for your family - reach out to a knowledgeable Texas-licensed life insurance agent with access to multiple insurers. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.