San Jacinto County
Driving in San Jacinto County
In San Jacinto County, approximately 23,338 vehicles are registered for commercial and private use, and this number represents 0.10% of all the vehicles in Texas.
Over 80% of adult drivers in San Jacinto County commute to work every day by themself. More than half (≈65%) of those commutes last more than 30 minutes, which is the highest in Texas.
Over 20% of Texas vehicles are uninsured, implying that there could be almost 5,000 uninsured or underinsured vehicles in San Jacinto County.
Auto Insurance Analysis
San Jacinto County has over 23 thousand registered vehicles, all of which need insurance coverage of some type. Depending on the type of vehicle and its intended use, the following types of insurance may be necessary: Private Auto, Farm Auto, Comprehensive Auto, Non-owner Car Insurance, Ride-sharing Coverage, and more. Auto Liability is required for all vehicles on Texas roads.
Uninsured Driver Coverage is becoming increasingly important in Texas, since 1 in every 5 drivers is either uninsured or underinsured. Every year, Texans spend nearly $900 million on Uninsured and Underinsured Motorist coverage.
The majority of San Jacinto County's roadways are in rural areas. Rural roads have less traffic and a lower risk of collision. Meanwhile, animals are more likely to come in the way of moving cars in rural settings. The majority of animal-related crashes in Texas occur twice a day, from 5-8 a.m. and again from 6 p.m. to midnight. In November, the chances of a vehicle colliding with a deer is most likely. As a result, residents of San Jacinto County should consider Comprehensive Auto coverage, which assists in repairing damage caused by an animal collision.
To discuss your auto insurance in San Jacinto County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
San Jacinto County Housing
Similar to the rest of Texas, where the majority of housing units (≈62%) are inhabited by the owners, San Jacinto County's 16,009 housing units are divided between homeowners (approximately 81%) and renters (at over 19%). Among the neighboring counties, Trinity County (≈77%) has the second-highest number of owner-occupied homes, after San Jacinto County,, while Walker County has the lowest rate at around 51% — which means virtually every other housing unit is a rental.
Housing problems, such as overcrowding, a lack of plumbing, or kitchen problems, affect nearly 1 in every 10 housing units in San Jacinto County. Around 15% of households spend more than half their income on housing costs.
Housing Insurance Analysis
Over 16 thousand housing units in San Jacinto County require insurance coverage. All owners of these properties should obtain Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes) to protect the underlying financial investment from any loss or damage.
With over 3 thousand rental units in San Jacinto County, landlords are encouraged to acquire Landlord Insurance, which protects both the property and the landlord from potential liability claims made by renters.
Tenants should purchase Renters Insurance to protect their assets from damage or loss. Renters Insurance is usually inexpensive and covers the tenant's belongings from theft and damage caused by fire, smoke, water, and vandalism. Renters Insurance may be required as a lease requirement by some San Jacinto County landlords.
For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in San Jacinto County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
San Jacinto County Health
San Jacinto County has a higher uninsured adult rate (≈23%) than the state average (≈21%), and is one of the highest among its neighbors. Roughly 1 in every 4 adults and over 14% of all children in San Jacinto County lack proper health insurance coverage. Among the surrounding counties, both Polk and Liberty Counties share similar uninsured rates as San Jacinto County, while Montgomery County has the lowest adult uninsured rate (17%), followed by Walker County, with approximately 19% uninsured adults.
Gaines County has the highest rate of uninsured adults in Texas, nearly 36%, while Loving County has the lowest, 11.4%. In 2021, Texas's average adult uninsured rate was approximately 20.7%.
In San Jacinto County, roughly 1 in 4 adults (nearly 6,000 residents) has a health problem.
23% of the population in San Jacinto County does not engage in any form of physical activity.
In San Jacinto County, approximately 38% of the population is considered obese (with a BMI of 30 or more), which is much higher than the Texas average of 31.4%. Trinity County has the lowest obesity rate of the neighboring counties - around 25%, while Polk County has the highest figure at nearly 40%.
At least 2 health insurers in San Jacinto County, both on and off the state marketplace, provide affordable and frequently subsidized ACA health insurance.
Health Insurance Analysis
While Health Insurance is the most important type of insurance, more than 5,000 San Jacinto County residents do not have this essential coverage.
Texas is one of the states that permits the sale of numerous types of health insurance and supplemental products. This makes it easier for Texans to find coverage that meets their individual needs (both medical and financial): Group or Individual Marketplace ACA health insurance, several types of Short-term insurance (up to three years of coverage), Hospital Indemnity, Accident and Health insurance, and other services are available.
If low-income individuals are unable to purchase health insurance due to the cost, they should apply for government subsidies, which can drastically reduce the cost of insurance.
If you do not have any pre-existing problems, Short-term insurance may be an option for you. (* 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 San Jacinto County.
San Jacinto County Mortality and the End of Life Statistics
San Jacinto County residents have a life expectancy of roughly 77.2 years, which is lower than the Texas average of 79.2. Among the neighboring counties, Montgomery County shows the longest life span at 79.7 years. Trinity and Liberty counties, on the other hand, have the shortest both at 74 years old.
Presidio County has the highest life expectancy in the state of Texas, at 88.8, while Donley County has the lowest, at 72.8 years old.
In 2022 there were nearly 7,000 seniors (65 and older) residing in San Jacinto County.
Life Insurance Facts
In 2021, 48% of Americans did not have an active life insurance policy of any type.
The premiums for life insurance are computed based on the insured's age at the start of the policy, among other factors. The younger you are when you get it, the less you will have to pay in premiums over the duration of the policy.
Over 23% of the adults in San Jacinto County smoke, and this habit will definitely increase the life insurance premiums of these individuals by up to 4 times compared to non-smokers. A smoker’s life expectancy is deemed shorter, making them more of a risk than people who do not smoke.
Motor Vehicle Fatalities in San Jacinto County
In San Jacinto County, motor vehicle fatalities occur at a rate of 24.11 per 100,000 vehicles on the road, for a total of almost 6 fatal crashes every year.
The Texas Department of Transportation (TxDoT) reported 317 crashes in San Jacinto County in 2020, with 9 fatalities as a result. Alcohol has been shown to be the primary cause of fatal collisions in San Jacinto County in approximately 27% of all driving fatalities.
Final Expenses – San Jacinto County Funeral Home Cost
Funeral services in and around San Jacinto County can be rather costly. The average price of a funeral in San Jacinto County is around $8,000, which is higher than the state’s average of $6,200 and the second-highest cost in the surrounding area. Among the neighbors of San Jacinto County, Polk County has the highest average funeral cost of nearly $11,000, which is also the highest in the state. Walker County funeral homes may have the lowest funeral cost at around $5,000.
Statewide, Kenedy and Willacy counties have the most affordable average, both at around $3,200
Life Insurance Analysis
With 46% of Americans dying with less than $10,000 in savings, San Jacinto County senior residents may be putting an unwanted and often unbearable financial strain on family and friends. Instead of focusing on their loss, the family must focus on finding a way to pay. (Note: If paying for funeral services with life insurance, most funeral houses require the policy to be "assignable.")
Aside from burial expenses, the departed frequently leave behind taxes and other debts for the family to deal with.
The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense Insurance.
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.
Speak with a knowledgeable licensed Texas insurance professional about life insurance options in San Jacinto County. An agent who has access to multiple insurers and types of policies, can provide competitive quotes.
The use of a Texas insurance agent typically does NOT incur additional costs to the insured.
