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Mitchell County

Driving in Mitchell County

The state of Texas has over 23 million registered private and commercial vehicles, and approximately 6,443 (or 0.03%) of them are registered in Mitchell County.
Approximately 84% of the vehicles used for commuting to work daily only have the driver in it and no one else, and over 1 out 4 of these trips take half an hour to complete.
It is estimated that 20% of the automobiles in Texas are uninsured, which means that nearly 1,300 vehicles in Mitchell County could be uninsured or underinsured.

Auto Insurance Analysis:

  1. More than 6 thousand vehicles registered in Mitchell County need auto insurance coverage. Ride-sharing Coverage, Collision Coverage, and Commercial Auto are only a few of the options that car owners can choose from, depending on what vehicles they own and how they utilize them.
  2. Auto Liability, on the other hand, is required by Texas law. Anyone caught driving without it will be fined, and repeat offenders could have their vehicle seized and their driver's license revoked or suspended.
  3. According to studies, 1 out of 5 vehicles in Texas is not protected by auto insurance, and this makes Uninsured Driver Coverage all the more important. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.
    To get auto insurance advice in Mitchell County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Mitchell County Housing

Mitchell County has a housing market consisting of approxiamtely 4,134 properties, and just like the rest of Texas, its housing market is dominated by owner-occupied homes at a rate of 79%. The Texas owner-occupied average is around 62%.

Looking at the bordering counties, Mitchell County is only second to Sterling County’s 86% owner-occupied rate, while Borden County has the third-highest figure in this category at 76%. Howard County, on the other hand, has the lowest owner-occupied rate at 65%, followed by Nolan County, with 67% of its housing properties inhabited by the owners and 33% renters.

Approximately 8% of homes in Mitchell 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.

Housing Insurance Analysis:

  1. Over 4 thousand homes in Mitchell 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. With nearly 1 thousand housing properties in Mitchell County listed for rent, landlords are advised to purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.

  3. Renters Insurance, which is usually quite affordable, 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 Mitchell County require tenants to take out a Renters Insurance policy before signing 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 Mitchell 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)

Mitchell County Health

It is estimated that 20% (or 1 out of 5) of Mitchell County’s adults under the age of 65 and 12% of the children do not have proper health insurance coverage. The county’s adult uninsured rate is almost similar to the state average of 21%.

Looking at Mitchell County’s next-door neighbors, Scurry County has the highest adult uninsured rate at 23%, while Borden County has the lowest figure at 12%.

Statewide, Gaines County has the highest percentage at 36%, and on the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.

About 24% of Mitchell County residents report problems with their health — this translates to over 1,500 adult residents. This is possibly due to the fact that 19% of the adult population is physically inactive.

Aside from poor health, not exercising regularly can lead to weight gain, and 20% of Mitchell County’s residents are considered obese (with a BMI of 30 or more). This rate is significantly lower than the state’s obesity rate of 31%.

Among the region, Howard County has the highest figure at 36%, while Fisher and Sterling counties have the lowest obesity rates, both at around 22%.

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

Health Insurance Analysis:

  1. More than 1 thousand Mitchell 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. Understandably, not all can afford to purchase health insurance. But with the help of a licensed health insurance agent (or on their own), these individuals can apply for government subsidies that can significantly reduce the out-of-pocket costs.

  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 Mitchell County.

Mitchell County Mortality and the End of Life Statistics

The average life expectancy in Texas is approximately 79.2 years old, while Mitchell County has an average of 75.7 years. Among the neighbors, Fisher County has the longest life expectancy at 80.3 years, while Howard County has the lowest average at 74.4 years old, closely followed by Nolan County at 74.8 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 1,200 seniors (65 and older) living in Mitchell County.

Life Insurance Facts:

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

  2. Age is a significant factor in determining the insured’s life insurance premium rate. As the age goes up, the premiums do as well. This is why young adults are advised to take out a policy as early as possible in order to save money in the long run.

  3. Approximately 19% of adults in Mitchell County smoke, and a smoker’s life insurance policy 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 borrow against, for emergency expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in Mitchell County

Motor vehicle fatalities in Mitchell County occur at a rate of 19.54 per 100,000 vehicles on the road, averaging 1 to 2 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 152 crashes in Mitchell County, leading to 4 fatalities. Around 18% of the fatal car crashes in Mitchell County involve alcohol.

Final Expenses – Mitchell 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 Mitchell County’s immediate neighbors, Fisher and Nolan counties both have an average funeral cost of $6,100. 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 dying with less than $10,000 in assets, the deceased person’s family and friends may have to set aside grieving as they have to make sure that their loved one’s funeral costs will be settled. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased often leave unsettled debts and unpaid taxes for their family to deal with. Understandably, this adds to the family’s financial woes, given that they are already spending a large sum on the funeral.

  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 Mitchell County and help lighten the load for your family - reach out to a Texas-licensed experienced life insurance agent with access to multiple insurers. A knowledgeable 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.