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Matagorda County

Driving in Matagorda County

An estimated 28,856 private and commercial vehicles call the roads of Matagorda County their home. This number represents around 0.12% of all registered vehicles in Texas.

Almost 85% of adult drivers in Matagorda County commute to work by themself, and more than 1 in 4 of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which can be nearly 6,000 vehicles in Matagorda County alone.

Auto Insurance Analysis:

  1. In Matagorda County, there are almost 29,000 registered vehicles that may be required with insurance. The type of car, as well as its intended use, determines the type of auto insurance required. There are several forms of vehicle insurance to choose from, including Private Auto, Commercial Auto, Commercial Inland Marine, etc. Auto Liability coverage is required for all vehicles on the road.

  2. Uninsured Driver Coverage is becoming increasingly crucial in Texas, where 1 out of every 5 drivers is uninsured. Uninsured and underinsured motorist coverage costs Texas residents roughly $900 million per year.

For consultation and advice about auto insurance in Matagorda County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Matagorda County Housing

Matagorda County has roughly 20,388 housing units. The majority of housing units (71%) in Matagorda County are occupied by homeowners, with the remaining (29%) occupied by renters. In Texas, the average is closer to a 62/38 split. When comparing Matagorda County to its neighboring counties, Calhoun County has almost 73% homeownership which is the highest among the neighbors, while Wharton County has almost 67% which is the lowest percentage of live-in owners in the immediate area.

Housing Insurance Analysis:

  1. Over 20,000 housing units in Matagorda County need insurance coverage. At a minimum, all of them should have Homeowners or Condo insurance, to protect their investment from loss or damage.

  2. With almost 6,000 housing units in Matagorda County as rentals, landlords are advised to obtain Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants.

  3. Tenants are advised to obtain Renters Insurance coverage to protect their belongings from possible damage or loss. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Matagorda County may require Renters insurance as a condition of the lease.

  4. Because of its closeness to the Gulf of Mexico, Matagorda County is one of the most likely areas to be impacted by a stray hurricane. In addition to being prepared, residents of Matagorda County should understand how this risk affects their house insurance coverage.

For consultation and advice about Homeowners insurance or Renters insurance in Matagorda County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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Matagorda County Health

The uninsured rate in Matagorda County is roughly 21%, which is in line with the Texas state average. Comparing to the neighbors, Wharton County has the highest uninsured rate (26%) in the area, while Brazoria County has an uninsured rate of around 16%, which is the lowest among the neighboring counties.

Matagorda County has over 25% of residents experiencing poor health and one of the biggest causes of poor health in the county is a lack of physical activity, with roughly 33% of residents failing to engage in regular exercise activities.

That lack of physical exercise is reflected in the obesity of nearly 37% of Matagorda County residents, which is the second highest among the neighbors. While all of them have a higher than the state-average adult obesity (31.4%),Wharton County is number one among its peers, with 37 percent, while Brazoria County and Calhoun County have the lowest (both at around 32%).

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

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage and over 6,000 residents of Matagorda County lack this necessity.

  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): Group or Individual ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If health insurance is not obtained owing to cost, low-income individuals should apply for government subsidies, which can significantly reduce the cost of insurance.

  4. If you do not have any pre-existing problems, Short-Term insurance may be an option for you. (* After a year or more of coverage, some Texas multi-year short-term health insurance policies may cover certain pre-existing diseases.)

For consultation and advice about health insurance in Matagorda 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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Matagorda County Mortality and the End of Life Statistics

The average life expectancy of Matagorda County residents is 75.9 years old, which is lower than the Texas state average of 79.2. It is also the lowest among its neighbors. to the neighboring counties, On the other end of the spectrum is Brazoria County, with the highest average life expectancy (79.4).

In 2022, there were approximately 6,398 senior residents (65 and older) in Matagorda County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have life insurance.

  2. Life insurance premiums are based on the age of the insured when the policy begins. The younger you are when you get it, the more you save in premiums over the course of the policy.

Motor Vehicle Fatalities in Matagorda County

Motor vehicle fatality deaths in Matagorda County statistically occur at a rate of 24.11 per 100,000 vehicles on the road, resulting in 6-7 fatal crashes.

In 2020, the Texas Department of Transportation (TxDoT) reported 648 crashes in Matagorda County, with a resultant 10 fatalities. In Matagorda County, alcohol has been determined to be the primary cause of fatal crashes at 28% of all driving fatalities.

Final Expenses - Matagorda County Funeral Home Costs

The average price of a funeral in Matagorda County is around $7,000, which is higher than the state average of around $6,200. This is also the highest among its neighboring counties. On the other side of the averages is Wharton County, with the lowest average funeral home price of closer to $5,300.

Life Insurance Analysis:

  1. With 46% of Americans dying with savings of less than $10,000, over 6,000 of Matagorda County senior residents could be placing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of.

  3. The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense Insurance.

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

For consultation and advice about life insurance in Matagorda County, contact a knowledgeable life insurance agent licensed in the state of Texas who has access to multiple insurers and types of plans.

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

Life Insurance in Texas

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