It is estimated that 7,446 personal and commercial vehicles are registered in Ochiltree County. This number represents 0.03% of the total vehicles in the state of Texas.
Most of these cars are used to commute to and from work daily, and 79% of them only contain the driver and no one else. Nearly 1 out of 8 of these automobiles spend at least half an hour during those commutes.
Approximately 20% of drivers in Texas are uninsured, and over 1,400 vehicles in Ochiltree County alone could be uninsured or underinsured.
Most of the homes in Texas, around 62%, are occupied by the families or individuals that own them, and Ochiltree County follows suit. Roughly 73% of the 4,205 housing properties in this county are inhabited by the owners.
The adjacent counties’ respective housing markets are also dominated by owner-occupied properties, and the lowest percentage is 70% in Hansford County. Leading the group is Roberts County at 80%, which means only 2 out of 10 homes in this county are listed for rent.
Approximately 15% of homes in Ochiltree County experience various housing problems like overcrowding, poor plumbing, or kitchen-related issues. In nearly 15% of homes, residents allocate half of their income to housing expenses.
Over 3 thousand homes in Ochiltree 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.
With over 1 thousand housing units in Ochiltree County listed for rent, landlords are advised to purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.
It is widely recommended that tenants take out Renters Insurance to protect their belongings from damage or loss. The average cost of this coverage is usually quite affordable, and it covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Ochiltree County include Renters Insurance as a requirement of 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 Ochiltree County.
Roughly 27% of Ochiltree County’s adult population (under 65 years old) does not have proper health insurance coverage — this percentage is worse than the majority of Texas, with only 21% of the population having insufficient coverage.
Among the neighbors, Ochiltree County’s uninsured adult rate is in the middle of the pack. Hansford County has the highest figure at 30%, closely followed by Lipscomb County at 29%. Roberts County has the lowest adult uninsured rate in the region at 17%.
In Texas, Gaines County has the highest figure for this demographic at 36%. On the other end of the spectrum is Loving County, with only 11% of its residents not having proper health insurance.
Around 24% of the residents in Ochiltree County report problems with their health, which means that nearly 1,600 of its residents are in poor health.
It is also reported that 1/3 of the population in Ochiltree County does not exercise regularly, which is probably a factor why 27% of its residents are considered obese (with a BMI of 30 or more).
Among the neighbors, Lipscomb County has the highest adult obesity rate at 29%, while Roberts County has the lowest figure at 21%, followed by Hemphill County at 22%.
There are at least 2 health insurers in Ochiltree County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.
Over 2 thousand Ochiltree County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.
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.
Individuals with low incomes may not consider taking out a health insurance policy due to its high costs. But with the help of a licensed health insurance professional, they can apply for government subsidies to significantly reduce the policy’s out-of-pocket costs.
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 Ochiltree County.
On average, a senior Texan is expected to live around 79 years old, and the same could be said for Ochiltree County’s senior residents. According to studies, the life expectancy in the county is at 78.6 years.
Looking at the adjacent counties, Lipscomb County has the longest life expectancy out of the group, with an 80.6-year average. At the bottom of this list is Hemphill County, with a life expectancy of 77.3 years, closely followed by Hansford County at 77.8 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 1,100 seniors (65 and older) living in Ochiltree County.
In 20221, 48% of Americans did not own any kind of life insurance coverage.
It is a widely-known fact that as a person grows older, their life insurance premiums go up. This is why young adults who take out a life insurance policy as early as possible can save money on premiums in the long run.
Approximately 18% of the adults in Ochiltree County smoke, and this habit will significantly increase the cost of their policy. A smoker’s life insurance premiums can be up to 4 times more expensive than a non-smoker's, as their life expectancy is deemed shorter.
Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds however they wish.
Motor vehicle fatalities in Ochiltree County occur at a rate of 31.74 per 100,000 vehicles on the road, averaging 2 to 3 fatal crashes per year.
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.
In Ochiltree County, a family may have to spend around $4,500 for the funeral of their loved one, while in Lipscomb county, roughly $6,600 is required for a traditional funeral.
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.
With 46% of Americans dying with less than $10,000 in assets, the deceased may be leaving their friends and family in a tough financial situation. Instead of mourning the loss of their loved one, they will have to focus their energies on coming up with the money to pay for the funeral.
The deceased could also possibly leave unsettled accounts 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.
Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.
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 Ochiltree County and help lighten the load for your family - reach out to a knowledgeable Texas-licensed experienced life insurance agent with access to multiple insurers. Such an 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.