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Orange County

Driving in Orange County

Orange County has approximately 64,631 vehicles registered for both commercial and private use. This figure represents less than 0.3% of all registered vehicles in Texas.

Every day, more than 86% of Orange County drivers commute to work, with almost 2/5 of those commutes lasting more than 30 minutes.

More than 20% of Texas vehicles are uninsured, implying that nearly 13,000 Orange County vehicles may be either uninsured or underinsured.

Car insurance is required in Texas as "proof of financial responsibility," and driving without it is illegal.

Auto Insurance Analysis:

  1. Orange County has over 60,000 registered vehicles that require auto insurance. Private automobile insurance, commercial or farm automobile insurance, auto liability insurance, commercial inland marine insurance, and other forms of insurance are all on offer. The type of auto insurance may also be affected by the type of vehicle and its intended use.

  2. Longer daily commutes may result in higher auto insurance rates because they lengthen the time a driver spends behind the wheel. The longer a driver is behind the wheel, the more likely they will be involved in a car accident. To summarize, the level of risk influences the cost of auto insurance.

  3. In Texas, where one out of every five drivers is uninsured or underinsured, uninsured driver coverage is becoming increasingly important. The cost of uninsured and underinsured motorist coverage in Texas exceeds $900 million per year.

Contact a Property & Casualty insurance agent who is licensed in Texas if you need advice and assistance with Orange County auto insurance.

Orange County Housing

The housing market in Orange County, which has approximately 39,707 units, is divided 3-1 between homeowners and renters. In comparison, the state average in Texas is closer to a 62/38 split. The surrounding counties are mostly owner-occupied homes as well, with Newton County leading the way with nearly 85% homeownership. Harris County, on the other hand, is at the bottom of the list with less than 55% homeownership.

Roughly 1 out of every 8 housing units in Orange County suffers from overcrowding, lack of plumbing, and/or poor kitchen conditions.

Housing Insurance Analysis:

  1. Orange County has almost 40,000 housing units that need insurance. All housing units should be covered by homeowner's insurance to protect the owner's property from loss or damage (Homeowners or Condo). Apartment complexes are covered by Business Property insurance, While condo association buildings themselves are covered by Business condo association insurance.

  2. Landlord Insurance should be obtained by property owners in Orange County, which has nearly 10,000 rental units. Landlord insurance protects both the property and its owner from potential liabilities.

  3. Tenants typically purchase renters insurance to protect their belongings from potential damage or loss. The standard Renter's Insurance policy covers theft as well as damage caused by water, fire, smoke, and vandalism. Landlords may require renter's insurance as a condition of the lease.

  4. Orange county’s proximity to the Gulf of Mexico places it among the top candidates to be damaged by a stray hurricane. In addition to being prepared and knowing what to do in case of a hurricane, Orange County residents must understand how this risk influences their home insurance coverage.

Contact an Orange County Property & Casualty insurance agent who is licensed in Texas for consultation and advice on Homeowners insurance or Renters insurance.

Orange County Health

Despite the fact that Orange County's health insurance rating is not the lowest among its neighboring counties, uninsured adults and children account for approximately 17% of the population. This figure is lower than the state average of 20.7% (in 2021). Harris County ranks first among neighboring counties in terms of residents without health insurance, with an uninsured rate of around 24%. Hardin County, on the other hand, has the lowest percentage of uninsured residents, estimated to be around 16%. Gaines County has the highest uninsured adult rate in Texas, approaching 36% while Loving County has the lowest, around 11%.

Almost 1/5 of adults in Orange County have a health problem. About 38% of the population is physically inactive, contributing to a staggering 46% obesity rate, making it the highest among its peer counties and beating the Texas average of 32% by a large margin. Jasper County has the second-highest obesity rate of any peer county, at 44%, while Harris County is said to have the lowest obesity rate in the area, at 30%.

In Orange County, at least 2 insurers offer affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. Almost 12,000 Orange County residents do not have health insurance, which is the most important type of insurance.

  2. Texas is one of the states that offers a wider range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-compliant Group and Individual marketplace health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.

  3. Because health insurance can be prohibitively expensive, particularly for low-income individuals, they should apply for government subsidies to significantly reduce the cost of insurance. If you do not have any pre-existing conditions, short-term insurance may be an option. (Keep in mind that after a full year of coverage, some multi-year short-term plans may cover specific pre-existing conditions.)

Contact a health insurance agent licensed in the state of Texas for consultation and advice on Orange County health insurance.

Orange County Mortality and the End of Life Statistics

The average life expectancy in Orange County is estimated to be 74.3 years old, which is significantly lower than the Texas state average of 79.2 years old. Harris County appears to have the highest life expectancy among neighboring counties, at 79.9 years old, nearly 6 years longer than Orange County, while Orange County appears to have the lowest. Presidio County has the highest average life expectancy rate in the state, at 88.8 years. With a life expectancy of 72.8 years, Donley County has the lowest life expectancy.

In 2022, Orange County had nearly 14,000 senior citizens (65 and older).

Life Insurance Facts:

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

  2. Premiums for life insurance are calculated based on the insured's age at the start of the policy, so the younger you are when you buy it, the less you will have to pay in premiums over the policy period.

Motor Vehicle Fatalities in Orange County

On Orange County roads each year, approximately 15-16 fatal crashes occur, resulting in a fatal crash rate of 23.65 per 100,000 vehicles on the road.

According to the Texas Department of Transportation (TxDoT), Orange County had 1,792 crashes in 2020, with 33 fatalities. Alcohol was responsible for almost 1 in 5 of all traffic fatalities.

Final Expenses - Orange County Funeral Home Cost

Funeral costs in and around Orange County vary greatly. The average funeral cost in Orange County is reported to be nearly $8,000, higher than the Texas state average at $6,200. Among Orange County's neighbors, Newton County has the highest average funeral cost of nearly $9,000, while Hardin County funeral homes have the lowest, under $6,000.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that over 6,000 Orange County senior citizens may be putting an additional burden on their family and friends with basic funeral expenses. Instead of grieving the loss of a loved one, the family must figure out how to pay.

  2. In addition to burial costs, the deceased may have left behind taxes and debts for the surviving family to deal with.

  3. The most common life insurance policies that cover "final expenses" up to $50,000 are term life insurance and final expense insurance.

  4. The most common life insurance policies that allow money to be left to family members are Term Life Insurance and Cash Value Life, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expenses.

Contact a Texas-licensed life insurance agent if you need life insurance consultation and advice in Orange County.