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Nolan County

Driving in Nolan County

There are approximately 11,649 private and commercial vehicles that are registered in Nolan County. This number accounts for almost 0.05% of all the vehicles that are registered in the entire state of Texas.

In Nolan County, almost 80% of the adult drivers commute to work by themself, and nearly a quarter of these commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, and over 2,000 vehicles in Nolan County alone can be uninsured or underinsured.

Auto Insurance Analysis:

  1. More than 11 thousand vehicles that are registered in Nolan County need some type of insurance coverage. Depending on the type of vehicle and its use, the required insurance may be: Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, etc. Auto Liability, on the other hand, is required by Texas law.

  2. In Texas, 1 out 5 drivers being uninsured makes Uninsured Driver Coverage increasingly important. Texas residents spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

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

Nolan County Housing

Nolan County has around 7,056 housing units which are divided between Homeowner-occupied (67%) and Renters (33%). This is comparable to the rest of Texas, where most residential dwellings are owner-occupied (≈62%). The neighboring counties largely consist of homes that are occupied by owners as well, with Colorado County having the highest rate at 82%, followed by Lavaca County having a 74% owner-occupied rate. Wharton and Victoria counties are the leaders in rental residential real estate. Both offer nearly ⅓ of its residential property as rentals.

Approximately 13% of the housing properties in Nolan County experience housing problems, such as overcrowding, problems with plumbing, or issues with the kitchen. In about 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Over 7 thousand housing units in Nolan 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.

  2. With 2,000 housing units as rentals, landlords obtain Landlord Insurance, which will cover the property itself and possible liability claims arising from the tenants.

  3. Renters Insurance coverage is advised for tenants to protect their belongings from possible damage or loss. Additionally, this type of insurance will also cover various types of damages (fire, smoke, water, and vandalism) and theft.

For consultation and advice about Homeowners insurance or Renters insurance in Nolan County, contact a property insurance agent licensed in the state of Texas.

Nolan County Health

At 20.5%, nearly 1 out of 5 adults (under 65 years old) and 11% of all children in Nolan County do not have health insurance coverage. Among the neighboring counties, the highest rate of uninsured adults is Wharton County, with 26%, while Lavaca County has the lowest rate of under 19%. Comparatively, in 2021, the average adult uninsured rate in Texas was around 20.7%.

The highest uninsured 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%.

Over 23% of adult residents in Nolan County report problems related to poor health. This is possibly connected with the fact that quarter of the population in Nolan County do not participate in physical exercise activities.

Around 27% of Nolan County residents are considered obese (with a BMI of 30 or more), which is lower than the Texas average of 32%. When compared to surrounding counties, Colorado County reports the lowest at 25%, while almost 40% of residents from Lavaca County are considered obese.

There are at least 2 health insurers in Nolan County that 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, but over 2,400 residents of Nolan County lack this necessity.

  2. Texas residents have access to a variety of health insurance options, as well as additional supplemental coverage. In Nolan 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.

  3. If health insurance cannot be purchased due to unaffordability, there are government subsidies for which low-income residents can apply. If approved, the subsidy can drastically lower the cost of health insurance coverage.

  4. Short-term insurance may provide an alternative saving path if you do not have pre-existing conditions. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more 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 Nolan County.

Nolan County Mortality and the End of Life Statistics

The average life expectancy for the residents of Nolan County is around 74.8 years, which is lower than the Texas average of 79.2 years and the lowest among its neighbors. At 79.2, Lavaca County has the longest life expectancy, which is on par with the Texas average. The second lowest after Nolan County is Matagorda County, with 75.9 years old.

In 2022 there were over 2,700 seniors (65 and older) residing in Nolan County.

Life Insurance Facts:

  1. In 2021, 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 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 Nolan County

Motor vehicle fatalities statistically occur at a rate of 20.10 per 100,000 vehicles on the road in Nolan County, where approximately 2-3 fatal crashes happen per year.

In 2020, the Texas Department of Transportation (TxDoT) reported a total of 471 crashes in Nolan County, with a resultant 8 fatalities. Alcohol is determined to be the main factor for the fatal crashes in Nolan County in over 21% of all driving fatalities.

Final Expenses – Nolan County Funeral Home Cost

Funeral expenses may vary drastically. In Texas, a traditional funeral can cost between $5,000 and $12,000, while the average cost across the state is around $6,200, which includes basic service fees, casket, embalming, transportation, viewing, and burial.

Among the neighbors of Nolan County, Victoria County has the highest average funeral cost of over $7,100, while Colorado County has a lower price of closer to $5,000.

Life Insurance Analysis:

  1. 46% of Americans pass away with savings of less than $10,000, which means that some senior residents of Nolan County could be placing the 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. The deceased frequently leave taxes and other debt behind for the family to take care of besides the burial cost.

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

  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.

To find out more about life insurance options in Nolan County, speak with a state-licensed and experienced life insurance professional who has access to multiple insurers for comparison.