McCulloch County
Driving in McCulloch County
An estimated 6,124 private and commercial vehicles call the roads of McCulloch County their home. This accounts for nearly 0.03% of all vehicles registered in the entire state of Texas.
Over 86% of the adult drivers in McCulloch County commute to work by themself, where nearly 1 out of 5 of those commutes last for over 30 minutes.
It is estimated that 20% of Texas drivers are uninsured and about 1,200 vehicles in McCulloch County alone are uninsured.
Auto Insurance Analysis:
- Over 6 thousand vehicles that are registered in McCulloch County need some type of insurance coverage. The required insurance may vary depending on the type of vehicle and its use: Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation etc. Auto Liability, on the other hand, is required by Texas law.
- With 1 out 5 drivers uninsured in Texas Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.
To discuss your auto insurance in McCulloch County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
McCulloch County Housing
Like the majority of Texas, where the homes are mostly (≈62%) owner-occupied, McCulloch County’s approximately 4,346 housing unit market is split among Homeowner-occupied (72%) and Renters (28%). The neighboring counties largely consist of homes occupied by owners as well, with Concho County and Coleman County having the highest rate with 75% owner-occupied rates and followed by Brown County at 73%.
Approximately 15% of the housing properties in McCulloch County experience housing problems. These are overcrowding, issues with plumbing or with the kitchen. In about 15% of homes, residents spend more than 50% of their income on housing.
Housing Insurance Analysis:
Over 4 thousand housing units in McCulloch County need insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from possible loss or damage.
McCulloch County With landlords should obtain Landlord Insurance since there are over 1,000 housing units listed as rentals. This type of insurance covers the property itself and from the possible liability claims arising from the tenants and their guests.
Renters Insurance coverage is a must for tenants because this can 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 McCulloch County may require Renters insurance as a condition of the lease.
For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in McCulloch County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
McCulloch County Health
Approximately 21% of the adult residents of McCulloch County (under 65 years old) do not have health insurance coverage, which is at par with the state average. Among the neighboring counties, the county with the highest adult uninsured rate is San Saba County, with almost 31%, while Brown County has the lowest adult uninsured rate of 20%. 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 just 11.4%. As of 2021, the average adult uninsured rate in Texas was around 20.7%.
More than 1 in 5 (≈1,400) adults in McCulloch County report problems with health.
23% of the McCulloch County population do not participate in physical exercise activities.
Around 31% of the McCulloch County residents are considered obese (with a BMI of 30 or more), which is similar to the Texas average of 31%. Among the neighboring counties, Concho County reports the lowest – at 20%, while 37% of adults from Brown Counties may be considered obese.
At least 5 health insurers in McCulloch County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.
Health Insurance Analysis:
The most important insurance coverage is health insurance and more than 1,000 residents of McCulloch County lack this necessity.
Texans have access to a variety of health insurance options, as well as supplemental health insurance. In McCulloch County, health insurance options include Marketplace ACA Health Insurance, Short Term Insurance (up to 3 years in coverage), Hospital Indemnity, and a variety of others.
Due to unaffordability some people do not have proper health insurance, this is where government subsidies can help. Low-income consumers can apply for it to lower the cost of insurance.
If you do not have pre-existing conditions, Short-term health insurance may provide an alternative saving path.
Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available to the McCulloch County residents.
McCulloch County Mortality and the End of Life Statistics
McCulloch County has an average life expectancy of 75.6 years old, which is shorter to the Texas average of 79.2. Among the neighboring counties, Mason County shows longer life span with 81.2 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 approximately 1,700 seniors (65 and older) residing in McCulloch County.
Life Insurance Facts:
In 2022, 47% of Americans did not have an active life insurance policy of any type.
Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy.
There are 19% of adults in McCulloch County who smoke, and this habit will definitely increase the life insurance premiums of these individuals by up to 4 times compared to non-smokers.
Motor Vehicle Fatalities in McCulloch County
Motor vehicle fatalities in McCulloch County statistically occur at a rate of 31.60 per 100,000 vehicles on the road: averaging 2 fatal crashes per year.
In 2020, the Texas Department of Transportation (TxDoT) reported 39 crashes in McCulloch County, with a resultant 3 fatalities. Alcohol is determined as the main factor for the fatal crashes in McCulloch County in over 13% of all driving fatalities.
Final Expenses – McCulloch County Funeral Home Cost
Funeral expenses in and around McCulloch County vary drastically. The average price of a funeral in McCulloch County is $6,600. Among the neighbors of McCulloch County, Concho County funeral homes may be found for closer to $4,700.
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:
With 46% of Americans dying with savings of less than $10,000, McCulloch County senior residents could be placing the unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family frequently must concentrate on finding a way to pay for the funeral.
Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of. Discuss your senior life insurance options with licensed professionals.
The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense Insurance.
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, various types of Universal Life insurance, and Final Expense.
To find out more about life insurance options in McCulloch County, speak with a knowledgeable Texas-licensed and experienced life insurance professional who has access to multiple insurers for comparison.
