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Scurry County

Driving in Scurry County

There are approximately 13,013 private and commercially-owned vehicles in Scurry County, Texas. This number represents 0.06% of all registered automobiles in the state of Texas.

Over 83% of Scurry County drivers commute to work, and 11% of them commute for over 30 minutes.

With an estimated 20% of Texas drivers uninsured, almost 3,000 vehicles could be uninsured or underinsured in Scurry County alone.

Auto Insurance Analysis:

  1. Over 13,000 vehicles registered in Scurry County need auto insurance coverage. The needed insurance coverage is based on the use and type of the automobile. Private Auto, Commercial Auto, Commercial Transportation, and Inland Marine are some types of auto insurance coverage. Liability coverage is required for any vehicle on the road as mandated by Texas law.

  2. Driving without Auto Liability Coverage is a crime as this is required by state law. If you are caught driving without this minimum auto insurance coverage, you will be fined. If you are a repeat offender, your vehicle may be seized, and your license may be suspended or revoked.

  3. Uninsured Driver Coverage is becoming more and more important because of the number of uninsured drivers in Texas. Residents of Texas spend nearly $900 million every year on Uninsured and Underinsured Coverage.

To discuss your auto insurance in Scurry County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Scurry County Housing

Scurry County has roughly 7,203 housing units, with homeowners occupying over 75% of these properties, while the rest (25%) are occupied by renters. The average in Texas is 62% homeownership rate and 38% of units occupied by renters. Comparing the neighboring counties, Mitchell County has the greatest homeowner-occupied rate of almost 79%. The neighboring county with the lowest percentage is Kent County, with 70% homeowners and 30% renters. All of the bordering counties also have housing markets that are dominated by homes that are inhabited by the owners.

10% of the housing units in Scurry County are experiencing housing issues due to overcrowding, lack of plumbing, or issues with the kitchen.

Housing Insurance Analysis:

  1. Over 7 thousand housing units in Scurry County need insurance coverage. At a minimum, all of them should have Homeowners or Condo insurance, and/or Business property insurance (for apartment complexes) to protect their investment from loss or damage.

  2. With nearly 2 thousand housing units in Scurry County as rentals, landlords are advised to obtain Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants.

  3. Tenants obtain Renters Insurance coverage to protect their belongings from possible damage or loss. Average renters’ insurance is inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Scurry County may require Renters insurance as a condition of the lease.

For consultation and advice about Homeowners insurance or Renters insurance in Scurry County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Texas. Preferably the one who can represent multiple insurers to provide a comparison of options.

Scurry County Health

Scurry County’s uninsured adult rate of approximately 23% is not too far from the Texas state average (21%). Looking at the neighboring counties in the area: Borden County has the least number of residents without proper health insurance (12%), while nearly 24% of Garza County’s residents lack this essential protection, which is also the highest uninsured rate among the neighbors.

Almost 1/4 of adults in Scurry County report problems with health. That is over 3,000 people.

One of the biggest causes of poor health in Scurry County is a lack of physical activity, with 23% of residents failing to engage in exercise activities on a regular basis.

That lack of physical exercise is reflected in the obesity of 28% of Scurry County residents, which is lower than the state average of 31%. Scurry County has the highest obesity rate among its neighboring counties while the lowest rate is in Garza County (19%).

At least 2 health insurers in Scurry County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important insurance coverage, and over 3 thousand residents of Scurry County lack this necessity.

  2. Texas is one of the states that permits the selling of a variety of health insurance and supplemental products. This makes it easier for Texans to receive coverage that meets their unique needs (both physically and financially): Group or Individual Marketplace ACA health insurance, several types of Short-Term Insurance (up to three years in coverage), Hospital Indemnity, Accident and Health Insurance, etc.

  3. If health insurance is not being purchased due to unaffordability, low-income residents are advised to apply for government subsidies, which can substantially lower or completely eliminate the out-of-pocket cost of insurance coverage.

  4. If you do not have pre-existing conditions, Short-term insurance may provide an alternative saving path. (* 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 Scurry County.

Scurry County Mortality Rate and the End of Life Statistics

The average life expectancy of the Scurry County resident is 77.4 years, which is lower than the Texas average of 79.2 years. As for the neighboring counties, Fisher County has the highest life expectancy of 80.3, and the lowest is in Mitchell County, with an average life expectancy of 75.7 years.

In 2022, Scurry County had more than 2,000 senior (65 years and older) residents.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not have life insurance.

  2. Premiums for life insurance are determined by the insured's age at the start of the policy, among other factors. The younger you are when you purchase it, the more money you will save in premiums over the life of the policy.

Motor Vehicle Fatalities in Scurry County

Motor vehicle fatalities in Scurry County occur at a rate of 22.46 per 100,000 vehicles on the road resulting in an average of 2-3 fatal collisions per year.

In 2020, the Texas Department of Transportation (TXDoT) reported 250 crashes in Scurry County. 6 collisions resulted in 11 fatalities. Alcohol has been determined to be the primary cause of fatal crashes in Scurry County in more than 22% of all driving fatalities.

Final Expenses – Scurry County Funeral Home Cost

Scurry County's average funeral expense is around $5,500. This is less than the average funeral expense in Texas, which is roughly $6,200. Scurry County has the highest funeral home cost among the neighbors while Garza County has the lowest funeral cost among the nearby counties at $4,700.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a simple burial can become a problem, putting an unwelcome and often awful strain on family and friends. Rather than grieving, the family must concentrate on determining how to pay.

  2. Apart from burial fees, the deceased frequently leave behind taxes and other debts for the family to deal with.

  3. Term Life Insurance and Final Expense Insurance are the most commonly utilized life insurance policies to cover "final expenses" up to $50,000.

  4. Variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance, are the most often utilized life insurance products to leave money to the family.

For consultation and advice about life insurance in Scurry County, contact a knowledgeable life insurance agent licensed in the state of Texas. Look for an agent who works with multiple insurers and is able to provide options for all major types of life insurance coverage. This way, you get to compare: what option works best to fit your needs.