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Moore County

Driving in Moore County

An estimated 16,012 private and commercial vehicles call the roads of Moore County their home. This number accounts for 0.07% of all registered automobiles in the state of Texas.

Almost 82% of adult drivers in Moore County commute to work by themself, and roughly 1 in 4 of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which can be over 3,000 vehicles in Moore County alone.

Auto Insurance Analysis:

  1. There are over 16,000 registered automobiles that need insurance in Moore County. The required insurance coverage is based on the use of the automobile and its type. Private Auto, Farm or Commercial Auto, Farm or Commercial Transportation, and Inland Marine are some types of auto insurance coverage.

  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.

  3. Auto Liability is required by Texas law, and if a driver is caught behind the wheel of an uninsured vehicle, they will be fined. Repeat offenders could have their licenses revoked or suspended, and their cars could be impounded.

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

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Car Insurance in Texas

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Moore County Housing

In 2022, there were approximately 8,204 housing units in Moore County. Most of these homes were owner-occupied (66%), with the remainder (34%) listed for rent. The average in Texas is closer to a 62/38 split. Comparing Moore County to its peer counties, Carson County has the highest rate of homeownership with more than 81%, while Potter County has the lowest at 55% — which means that almost every other home is available for tenants to move into.

Roughly 16% of housing units in Dallas County experience housing problems, overcrowding, issues with plumbing, or with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Over 8,000 housing units in Moore 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 3,000 homes in Moore 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 commonly get 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 Moore County may require Renters insurance as a condition of the lease.

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

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Residential Insurance in Texas

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Moore County Health

Moore County’s uninsured rate of approximately 27% is six percentage points more than the Texas state average of 21%. Compared to the neighbors in the area, Dallam County has the highest uninsured rate of 34%, while Carson County has the least number of residents without proper health insurance (15%). Statewide, Gaines County has the highest percentage at nearly 36%, while the lowest rate is observed in Loving County at just 11%.

Moore County has nearly 27% of residents who experience poor health and one of the biggest causes of poor health in Moore County is a lack of physical activity, with roughly 21% of residents failing to engage in regular exercise activities.

That lack of physical exercise is also reflected in the obesity of 28% of Moore County residents. In comparison to its neighboring counties, Potter County has the greatest percentage of obesity (31%), while Oldham County has the lowest (25%). The state of Texas average is 31.4%.

At least 2 health insurers in Moore 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 almost 5,000 residents of Moore 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 due 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. (Note: 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 Moore County contact a health insurance agent licensed in the state of Texas.

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Health Insurance in Texas

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Moore County Mortality and the End of Life Statistics

The average life expectancy of Moore County residents is 77.8 years old, which is lower than the Texas state average of 79.2. Compared to the neighboring counties, Hartley County has the highest life expectancy with almost 82 years, while Potter County has the lowest average life expectancy in the area, at under 74 years old.

In 2022, there were approximately 2,306 senior residents (65 and older) in Moore 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, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy.

Motor Vehicle Fatalities in Moore County

Motor vehicle fatality deaths in Moore County statistically occur at a rate of 32 per 100,000 vehicles on the road, resulting in 5-6 fatal crashes.

In 2020, the Texas Department of Transportation (TxDoT) reported 369 crashes in Moore County, with a resultant 5 fatalities. In Moore County, alcohol has been determined to be the primary cause of fatal crashes in more than 15% of all driving fatalities.

Final Expenses – Moore County Funeral Home Cost

A standard funeral in Texas can cost anywhere between $5,000 and $12,000, with the state average being around $6,200, which covers basic service fees, casket, embalming, transportation, viewing, and burial.

Looking at Moore County’s neighbors, Hutchinson County has a funeral cost average of $4,500, while friends and family of deceased Potter County residents may have to spend $5,700 for the funeral of their loved one.

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 savings of less than $10,000, Moore 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.

Speak with a licensed Texas insurance professional about life insurance options in Moore County.

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

Life Insurance in Texas

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