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Nacogdoches County

Driving in Nacogdoches County

An estimated 50,809 private and commercial vehicles are registered in Nacogdoches County, which accounts for approximately 0.22% of all vehicles registered in the state of Texas.

Over 79% of adult drivers in Nacogdoches County commute to work daily, with nearly one-fourth of those commutes lasting for over 30 minutes.

More than 20% of Texas vehicles are uninsured, so there could be more than 10,000 uninsured and underinsured vehicles in Nacogdoches County alone.

Auto Insurance Analysis:

  1. Nearly 51,000 vehicles that are registered in Nacogdoches County are required to have insurance coverage. The mandated insurance may be for Private Auto, Commercial or Farm Auto, Commercial Inland Marine, etc. - depending on the type of the vehicle and its use. Auto Liability coverage is required for all vehicles on the road.

  2. Longer daily commutes can raise the cost of auto insurance since they increase the amount of time a driver spends on the road. The more time spent on the road, the more likely it is that you may be involved in a car accident.

  3. In Texas, 1 out of 5 of the drivers is uninsured or underinsured, which makes the Uninsured Driver Coverage almost a necessity. Annually, Texans spend over $900 million to pay for Uninsured and Underinsured Auto coverages.

To discuss your auto insurance in Nacogdoches County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Nacogdoches County Housing

While the majority of housing in Texas (around 62%) is owner-occupied, Nacogdoches County follows suit, except on a much lower scale. Out of approxiamtely 28,821 housing units, only around 57% of homes have live-in owners, while almost 43% of housing in the county is for rent. The neighboring counties largely consist of homes occupied by owners, with Rusk County on par with San Augustine County leading by over 77% owner-occupied rate, while Nacogdoches County closing in the last.

Overcrowding, lack of plumbing, or kitchen concerns affect nearly one in five homes in Nacogdoches County. About 15% of households spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. In Nacogdoches County, nearly 29 thousand housing units require insurance coverage. To safeguard the underlying financial investment from potential loss or damage, all owners of these properties should obtain Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes).

  2. With over 12 thousand rental units in Nacogdoches County, landlords purchase Landlord Insurance, which covers the property as well as potential liability claims from renters.

  3. Tenants usually get Renters Insurance to protect their personal possessions from injury or loss. Renters' insurance is typically inexpensive and protects the tenant's belongings against theft and damage caused by fire, smoke, water, and vandalism. Renters insurance may be required by some landlords in Nacogdoches County as a condition of the lease.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Nacogdoches County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Nacogdoches County Health

The rate of health insurance coverage in Nacogdoches County (21.2%) is slightly worse than the Texas state average (20.7). More than 1 in 5 adults and 12% of all children lack proper health insurance.

Shelby County has the highest adult uninsured rate among the neighboring counties, at approximately 26%. In contrast, San Augustine County has the lowest uninsured rate with more than 21.1%. Gaines County has the highest number of uninsured adults in the state of Texas, at nearly 36%, while Loving County has the lowest rate, at only 11.4%.

In Nacogdoches County, nearly 1 in 4 adults (over 11,600 people) report having health difficulties. 30% of the population does not engage in regular physical activity, resulting in a 35% obesity rate (over 17,400 residents), far higher than the Texas average of around 31%. Rusk, Angelina, and Cherokee counties have the highest obesity rates in the neighboring counties, at roughly 40-44%. Shelby County has the lowest adult obesity rate in the area, at just around 29% adult population.

At least 1 health insurer in Nacogdoches County offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important type of insurance, yet nearly 12,000 people in Nacogdoches County lack this necessity.

  2. Texas is one of the states in the United States that allows for multiple types of health insurance and supplemental products, making it easier for residents to obtain coverage through: Marketplace ACA health insurance, Various types of Short-term insurance (up to three years in coverage), Hospital Indemnity, Accident & Health, and so on.

  3. If low-income residents are unable to purchase health insurance due to the high cost, they are encouraged to apply for government subsidies, which can drastically reduce the cost of insurance. Short-term insurance may be an option if you do not have any pre-existing conditions (Note: some multi-year short-term Texas policies may cover select pre-existing conditions after one year of coverage).

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available in Nacogdoches County.

Nacogdoches County Mortality and the End of Life Statistics

Residents of Nacogdoches County have a life expectancy of approximately 77 years, which is slightly less than the Texas average of 79.2 years. Rusk County residents have the longest life expectancy on par with Nacogdoches County residents, whereas Shelby County residents have the shortest life expectancy at less than 75 years old.

In comparison to other counties in Texas, Presidio county has the greatest life expectancy, with an average longevity of 88.8 years. Donley County has the shortest life expectancy, at 72.8 years.

As of 2022, Nacogdoches County had approximately 9,900 senior (65 and older) residents.

Life Insurance Facts:

  1. As of 2021, about 48% of Americans did not have an active life insurance policy of any type.

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

Motor Vehicle Fatalities in Nacogdoches County

Annually, approximately 11 fatal crashes occur on the roads of Nacogdoches County, at a rate of 21.81 fatal crashes per 100,000 vehicles on the road.

In 2020, the Texas Department of Transportation (TxDoT) reported 1,039 crashes in Nacogdoches County, resulting in 16 fatalities. Alcohol is one of the primary factors in more than 32% of all driving deaths in the county.

Final Expenses – Nacogdoches County Funeral Home Cost

A traditional funeral in Texas can cost anywhere between $5,000 and $12,000, covering basic service fees, transportation, casket, embalming, viewing, and burial. The average cost of a funeral in Texas is around $6,200, which is similar to the average service of Nacogdoches county - at $6,100. Among neighboring counties, Cherokee County funeral homes often offer the most affordable services, starting at around $5,000, while Angelina County funeral homes typically charge more than $7,200 on average.

Life Insurance Analysis:

  1. Around 46% of Americans die with less than $10,000 in life savings, which means that over 4,500 seniors in Nacogdoches County may be unnecessarily burdening their family and friends with the cost of a basic burial. Thus, rather than mourning their loss, the family must focus on how to afford the final expense bills.

  2. Besides the burial cost, the deceased may also leave other debts and taxes for the family to take care of.

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

  4. The most frequently utilized life insurance policies to leave money to the family are: Term Life Insurance and Whole Life Insurance, especially Indexed Universal Life (IUL) Insurance and Final Expense.

Speak with a knowledgeable and state-licensed life insurance agen with access to multiple insurers and plan types.