Roughly 0.02% of all the vehicles in Texas can be found in Refugio County. This translates to a total of approximately 5,334 registered private and commercial vehicles that often traverse its roadways.
84% of adult drivers in Refugio County commute to work by themselves, and less than half of these commuters take at least 30 minutes to reach their destination.
With 20% of the vehicles in Texas uninsured, over 1,000 vehicles in Refugio County are possibly uninsured or underinsured.
More than 5 thousand vehicles registered in Refugio County need at least Auto Liability insurance coverage as required by Texas law. Comprehensive Coverage, Non-Owner, and Farm or Commercial Auto are a few of the additional options that car owners can choose from, depending on what vehicles they own and how they utilize them.
Most of the roads in Refugio 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, Refugio county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverage does not cover this type of incident.
Roughly 20% of vehicles in Texas do not have auto insurance, and this makes Uninsured Driver Coverage all the more important. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.
To get auto insurance advice in Refugio County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Refugio County’s approximately 3,770 housing unit market consists mostly of owner-occupied properties. Nearly 73% of the dwellings in the county are inhabited by the family or individuals that own them. This rate is considerably higher than the state average of 62%.
Among the neighbors, Aransas and Goliad counties lead the group, both with an 80% owner-occupied rate, while Bee County has the lowest percentage: 63% owners and 37% of real estate for rent.
Approximately 12% of homes in Refugio County experience various housing problems like overcrowding, substandard plumbing, or kitchen-related issues. In nearly 15% of homes, residents allocate half of their income to housing expenses.
Nearly 4 thousand homes in Refugio 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.
Landlords in Refugio County are advised to purchase Landlord Insurance, which covers the property and any possible liability claims from the tenants.
Renters Insurance, which is quite inexpensive, can protect the tenants’ belongings from damage or loss. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Refugio County require Renters Insurance coverage as part of the lease conditions.
Refugio 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, Refugio County residents must understand how this risk influences their home insurance coverage.
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 Refugio County.
About 19% of Refugio County’s adults, under 65 years old, and 10% of the children do not have proper health insurance coverage. Refugio County’s adult uninsured rate is not too far from the Texas average of 21%.
In the area, Aransas County has the highest percentage of adults not having proper health insurance coverage at 25% (or 1 out of 4 residents), while Goliad has the lowest figure at 17%.
The highest uninsured adult 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%.
Approximately 1 out of 4 Refugio County residents report problems with their health. This is possibly connected to the fact that 18% of the adult population smoke, almost 1 out of 5 residents consume alcohol excessively, and 29% do not exercise regularly.
Lack of exercise is likely the main reason why 20% of Refugio County’s adults are obese (with a BMI of 30 or more). This rate is lower than the Texas average (≈31%). Among the adjacent counties, San Patricio County has the highest obesity rate among its resident adults, at 41%, followed by Aransas County with 38%. Refugio County has the lowest figure for this category.
At least 2 health insurers in Refugio County offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.
Around 1 thousand Refugio County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.
Multiple types of health insurance and supplemental products are allowed to be bought in Texas, which makes the shopping process for the best coverage that fits your specific needs (both medically and financially) much easier. Texas residents 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, Critical Illness, etc.
Individuals who do not have the funds to purchase health insurance due to its high costs can apply for government subsidies that could substantially reduce 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 Refugio County.
The average life expectancy in Texas is around 79.2 years old, and Refugio County’s figure is not too far from this, with a 78.2-year average. Goliad County has the longest life expectancy in the region at 80.2 years, while Bee County has the lowest figure at 75.9 years old.
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 1,500 seniors (65 and older) living in Refugio County.
In 2022, 47% of Americans did not own any kind of life insurance coverage.
Young adults sometimes think that they are too young to take out a life insurance policy. They believe that it wouldn’t make sense to get one yet. But on the contrary, getting a life insurance policy as early as possible can save them a considerable sum of money in the long run.
Roughly 18% of adults in Refugio County smoke, which increases their life insurance premiums by up to 4 times. A smoker is expected to pass away at a younger age than a non-smoker, which makes them a more expensive risk for life insurance carriers.
Permanent 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 Refugio County occur at a rate of 31.73 per 100,000 vehicles on the road, averaging 1 to 2 fatal crashes per year.
The friends and family of a Refugio County resident who passes away may have to spend around $7,100 for the funeral of their loved one. This figure is considerably more expensive than the state average of $6,200.
Among the neighbors, Refugio and Victoria counties both have the most expensive funeral costs ($7,100), while San Patricio and Bee counties both have the lowest figures at $5,400.
In the entire state of Texas, Polk County has the highest funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.
(Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
The deceased often leave debts and taxes that are unsettled, which frequently places even further financial strain on the family left behind.
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, types of Universal Life, and others.
To get advice regarding life insurance in Refugio County and help lighten the load for your family after your passing - reach out to a Texas-licensed knowledgeable life insurance agent with access to multiple insurers. An experienced agent can help you evaluate your needs and then offer you multiple solutions to fill them.