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Parmer County

Driving in Parmer County

There are approximately 7,446 vehicles registered in Parmer County, which is around 0.03% of all vehicles registered in Texas.

Approximately 8 out of 10 drivers in this county commute daily to and from work by themselves, and 14% of those trips take 30 minutes or more to complete.

Roughly 20% of the drivers in Texas are uninsured, and over 1,400 vehicles in Parmer County alone could be uninsured.

Auto Insurance Analysis:

  1. Parmer County has over 7 thousand registered automobiles, and they could all use auto insurance coverage. Ride-Sharing Coverage, Collision Coverage, Comprehensive Auto, and Ranch Auto are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them. Auto Liability, on the other hand, is required by law.

  2. Uninsured Driver Coverage is becoming more and more important since 1 out of 5 drivers in Texas does not have auto insurance. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

  3. Most of the roads in Parmer County are rural, and these kinds of roads have less traffic and less potential for vehicular collision. Meanwhile, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Due to this, Parmer county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverag does not cover this type of incident.

  4. Comprehensive Auto Coverage also protects your vehicle from other animal-related incidents such as raccoons tearing up cushion seats or rats chewing up wires under the hood of your vehicle.

To get auto insurance advice in Parmer County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Parmer County Housing

The 3,787 housing unit market in Parmer County is split between owner-occupied homes (≈67%) and renter-occupied properties (≈33%). The majority of Texas isn’t too far from these numbers, as the state average is 62% for homeowners and 38% for renters.

Regarding the neighboring counties, Bailey County has the highest owner-occupied rate at 75%, while Deaf Smith and Castro counties have the lowest percentage, both at 64%.

Approximately 17% of homes in Parmer 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.

Housing Insurance Analysis:

  1. Nearly 4 thousand homes in Parmer 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.

  2. With over 1 thousand housing units in Parmer County listed for rent, landlords are advised to purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. It is 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 Parmer 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 Parmer County.

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences in the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance (The agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Parmer County Health

About 28% of the adults in Parmer County (under 65 years old) do not have proper health insurance coverage, and this figure is worse than the Texas average of 21%.

Looking at the adjacent counties, Castro County has the highest adult uninsured rate at 29%, while Parmer County is tied with Bailey County in second place (28%). Deaf Smith County has the lowest figure at 26%.

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 28% of the residents in Parmer County report problems with their health. This translates to over 1,800 residents.

It is estimated that almost 1/4 of the population in Parmer County does not exercise regularly, which is probably a factor why 37% of its residents are considered obese (with a BMI of 30 or more). This figure is the highest in its region.

Among the neighbors, Castro County is in second place with a 29% obesity rate, and Lamb County has the lowest figure at 25%. Most of the counties in this region have an obesity rate of somewhere in the mid-to-high 20s, and only Pamer County has a percentage that is in the 30s.

There are at least 2 health insurers in Parmer County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Over 2 thousand Parmer County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.

  2. 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.

  3. Health insurance may not be a priority for many, especially those with low incomes. However, they could apply for government subsidies that can help them afford proper health insurance coverage.

  4. 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 Parmer County.

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Health Insurance in Texas

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Parmer County Mortality and the End of Life Statistics

Parmer County residents have an average life expectancy of 77.6 years old, which is not too far from the state average of 79.2 years. In its region, Castro County has the longest life expectancy at 79.5 years old, while Lamb County has the shortest at 76.2 years old. Deaf Smith County has the same life expectancy average as Parmer County.

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 1,300 seniors (65 and older) living in Parmer County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not own any kind of life insurance coverage.

  2. Age is perhaps the most significant factor that affects life insurance premiums. So taking out a policy while you are still young and healthy can save you a hefty sum.

  3. Approximately 18% of the adults in Parmer County smoke, and smokers pay 4 times more in life insurance premiums compared to a non-smoker. This unhealthy habit shortens a person's life expectancy, which in turn raises the premiums.

  4. Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to borrow against, for emergency expenses, or as a tax-free retirement income.

Motor Vehicle Fatalities in Parmer County

Motor vehicle fatalities in Parmer County occur at a rate of 27.65 per 100,000 vehicles on the road, averaging 2 to 3 fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 150 crashes in Parmer County, which led to 1 fatality. Around 21% of the fatal car crashes in Parmer County involved alcohol.

Final Expenses – Parmer County Funeral Home Cost

A traditional funeral in the state of Texas will cost a family around $6,200, but in Parmer County, families can expect to spend roughly around $6,800, and this amount is the highest average in its region.

Among the neighbors, Lamb County has the least expensive funeral cost average at $5,000, followed by Castro County at $5,300. Bailey County, on the other hand, has an average of $5,900.

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 less than $10,000 in assets, the family and friends of the deceased may have to focus their energies on coming up with the funds to pay for the funeral instead of mourning their loss.

  2. 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.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.

  4. 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 Parmer County and help lighten the load for your family - reach out to a 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.

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

Life Insurance in Texas

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