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Mason County

Driving in Mason County

There are around 3,459 registered vehicles in Mason County that are utilized for personal and business purposes. These account for 0.01% of all the vehicles in Texas.

Approximately 72% of the vehicles used for daily commutes to work only transport the driver, and 20% of these automobiles are on the road for more than half an hour for each trip.

With 20% of Texas vehicles uninsured, nearly 1,000 vehicles in Mason County could be uninsured or underinsured.

Auto Insurance Analysis:

  1. More than 3 thousand automobiles registered in Mason County could use at least Auto Liability insurance coverage as mandated by the state of Texas. Non-owner, Comprehensive Coverage, Gap, and Farm or Ranch Auto are a few of the additional options that vehicle owners can choose from, depending on what vehicles they own and how they utilize them.

  2. Virtually all of Mason County is rural, and roads in rural areas have less traffic and less potential for vehicular collisions. However, traffic going through rural roads is more prone to Animal-Vehicle Collisions (AVCs). 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, Mason 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.

  3. Farm and ranch owners are generally advised to bundle the auto insurance of their trucks and personal vehicles to save money.

  4. Uninsured Driver Coverage is gradually becoming more important since 1 out of 5 drivers in Texas are uninsured. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

To get auto insurance advice in Mason County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Mason County Housing

The 2,859 homes in Mason County are split between owner-occupied homes (71%) and properties listed as rentals (29%). Mason County’s market is dominated by owner-occupied residential real estate, just like the majority of Texas (≈62%).

Among the neighbors, Llano County has the highest owner-occupied rate at 78%, followed by Kimble County at 76%. At the bottom of this list is San Saba County at 68%, while Menard County has the second-lowest owner-occupied rate at 69%.

It is estimated that 1 out of 4 homes in Mason County experience various housing problems, overcrowding, substandard plumbing, or kitchen-related issues, which is the lowest in the state of Texas. In nearly 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Nearly 3 thousand homes in Mason 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.

  2. Landlords in Mason County are generally advised to purchase Landlord Insurance, which covers the property and possible liability claims from the tenants.

  3. Tenants are advised to 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 Mason 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 Mason 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 (The agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Mason County Health

It is reported that 29% of the adult population in Mason County who are below 65 years old do not have proper health insurance coverage. This rate is considerably higher than the Texas state average of ≈21%. In the region, Mason County has the second-highest uninsured adult rate, and San Saba County has the highest at 31%.

Statewide, the highest adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County at just 11.4%. As of 2021, the average adult uninsured rate in Texas was around 20.7%.

Approximately 20% of Mason County residents report health problems. This is probably due to the fact that 18% of the adults smoke, 19% consume alcohol excessively, and 1 out of 4 of them do not exercise regularly, despite the fact that 70% of the residents have access to places where they can do physical exercises.

The lack of exercise is one of the main reasons why 25% (1 out of 4) of the adult population in Mason County are considered obese (with a BMI of 30 or more) — this rate is significantly lower than the state average of 31%.

Looking at the neighbors, San Saba County has the highest obesity rate at 32%, closely followed by McCulloch County with 31%. Gillespie County has the lowest obesity rate in the area at 24%, followed by Mason County.

At least 4 health insurers in Mason County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

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

  2. Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. This makes it easier for Texans to obtain coverage that fits their specific needs (both medically and financially): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If health insurance cannot be afforded due to the lack of funds, low-income residents can apply for government subsidies that can lower the total cost of 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 Mason 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.

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Health Insurance in Texas

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Mason County Mortality and the End of Life Statistics

The life expectancy of Mason County residents is around 81.2 years, which is 2 years longer than the Texas state average of 79.2. Compared to the adjacent counties, Mason County has the longest life expectancy, followed by Gillespie County at 80.7 years. On the other end of the spectrum are Kimble County and Menard County — both have an average life span of 75 years.

The highest life expectancy in the state of Texas is seen in Presidio County at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.

In 2022, there were over 1,200 seniors (65 and older) living in Mason County.

Life Insurance Facts:

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

  2. As the insured’s age goes up, so do the premium rates, and young adults falsely believe that they do not need life insurance yet. However, taking out a policy as early as possible, while they are still young and healthy, can save them a considerable amount of money in the long run.

  3. Approximately 18% of adults in Mason County smoke, and these residents will have to pay up to 4 times more for their life insurance. Smokers are viewed as more of a risk as they are likely to have premature death.

  4. Whole 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 Mason County

In 2020, the Texas Department of Transportation (TxDoT) reported 31 crashes in Mason County, leading to 3 fatalities. Alcohol is determined as the main factor for the fatal crashes in Dallas County in over 29% of all driving fatalities.

Final Expenses – Mason County Funeral Home Cost

A traditional funeral in Texas can cost between $5,000 and $12,000, while the average across the state is around $6,200, which includes basic service fees, casket, embalming, transportation, viewing, and burial.

Looking at the neighbors, the family and friends of a deceased resident in McCulloch County may have to spend around $5,500 for the funeral of their loved one, while Llano County funeral homes could charge about $6,900.

In 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.

Life Insurance Analysis:

  1. With 46% of Americans passing away with less than $10,000 in assets, the family and friends of a deceased Mason County resident may have to delay their mourning as they may need to prioritize making sure the funeral will be paid. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased frequently leaves debts and taxes that are unsettled. Understandably, this will add to the 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 Mason County and help lighten the load for your family - reach out to a Texas-licensed experienced 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.

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

Life Insurance in Texas

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