Shackelford County
Driving in Shackelford County
Shackelford County’s highways are home to an estimated 2,599 personal and commercial vehicles. In the whole state of Texas this number accounts for approximately 0.01% of all vehicles registered.
More than 83% of adult drivers in Shackelford County drive alone to work, and 32% of those trips need half an hour to complete.
About 20% of Texas drivers are uninsured and over 500 uninsured vehicles in Shackelford County alone.
Auto Insurance Analysis
More than 2 thousand vehicles registered in Shackelford County need insurance coverage. Private Auto, Commercial or Farm Auto, Comprehensive Coverage, Commercial or Farm Transportation, Inland Marine and other types of insurance may be required depending on the type of vehicle and its intended usage. Auto Liability, on the other hand, is required by Texas law.
With 20% of Texans not having auto insurance, Uninsured Driver Coverage is becoming more important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.
Driving without at least Auto Liability coverage is illegal. If you are caught driving without it, you will be fined. Repeat offenders’ vehicles could be seized, and their licenses may be suspended.
Virtually all of Shackelford County is rural, and roads in rural areas have less traffic and less potential for vehicular collisions. However, vehicles going through rural roads are more prone to Animal-Vehicle Collisions (AVCs). 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, Shackelford 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.
For consultation and advice about auto insurance in Shackelford County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Shackelford County Housing
As of 2022, Shackelford County counted approximately 1,789 housing units. The housing market is split between homeowners (80%) and renters (20%). Meanwhile, the neighboring counties also largely consist of homes occupied by owners, with Callahan County and Stephens County leading the way with over 82% owner-occupied rate and less than 18% of housing listed for rent. On the other end of the spectrum is Taylor County at 58% — this means that every other residential property in Taylor County is listed for rent.
About 16% of housing units in Shackelford County are experiencing severe housing problems. The most common issues were related to high housing costs, congestion, a lack of plumbing, or kitchen-related issues.
Housing Insurance Analysis
Nearly 2 thousand housing units in Shackelford County need insurance coverage. At the very least, all of them should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from possible loss or property damage.
The landlords in Shackelford County purchase Landlord Insurance, which protects the property itself and from the possible liability claims arising from the tenants and their guests.
Tenants purchase Renters Insurance coverage to protect their belongings from possible damage or loss. Theft and damage caused by fire, smoke, water, and vandalism are commonly covered under standard renters’ insurance policies. Some landlords in Shackelford County may require Renters insurance as a part of their lease condition.
For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Shackelford County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
A Texas P&C Insurance Agent:
- analyzes what you need and what your restrictions are,
- researches the right plans that fit your needs,
- provides you with the available options of coverage,
- emphasizes the differences between how the options affect you once you start using each insurance product
- helps you with the application process
- does not affect your cost of insurance. (agent’s service is usually paid by the insurer)
Shackelford County Health
Around 23% of Shackelford County’s population (under 65 years old) do not have proper health insurance coverage, which is higher than the state average of 21%. Looking at the neighbors, Haskell County has the highest adult uninsured rate among the neighboring counties at 27%, while Callahan County has the lowest uninsured adult rate of 18%. Across Texas, Gaines County has the highest uninsured adult rate, at nearly 36%, while Loving County has the lowest rate, at around 11%. In 2021, Texas’ average uninsured rate was at around 21%.
Over 19% Shackelford County residents report problems with their health.
20% of the Shackelford County population do not engage in physical activity.
The obesity rate in Shackelford County is around 26% (with BMI of 30 or more), which is lower than the Texas average of 31%. Throckmorton County has the lowest obesity rate with 24% of the residents, while 39% of adults from Callahan County are considered obese.
At least 2 health insurers in Shackelford County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.
Health Insurance Analysis
Health insurance is the most important insurance coverage and almost 23% of Shackelford County residents lack this necessity.
Multiple types of health insurance and supplemental health insurance are available in Texas, making it easier for Shackelford County residents to get coverage: Group of Individual Marketplace ACA health insurance, various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
Low income health insurance: If health insurance is not being obtained due to high costs, low-income Shackelford County residents are generally advised to apply for government health insurance subsidies, which can significantly reduce the health insurance cost.
For consultation and advice about health insurance in Shackelford County contact a health insurance agent licensed in the state of Texas.
Shackelford County Mortality and the End of Life Statistics
Shackelford County residents have an average life expectancy of around 82.3 years old, which is higher than the Texas average of 79.2 years old. When compared to its neighboring counties, Shackelford County has the highest expected figure, while the lowest is observed in Eastland County and Taylor County, both with the same average between 75 and 76 years old.
The highest life expectancy in the state of Texas is seen in Presidio County at nearly 89, and the lowest expected life span is in Donley County, at 72.8 years old.
In 2022, there were approximately 700 seniors (65 and older) residing in Shackelford County.
Life Insurance Facts
47% of Americans in 2022 did not have any type of active life insurance policy.
Premiums for life insurance are based on 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 period of the policy.
In Shackelford County, about 19% of the adults smoke, and this habit will likely increase the life insurance premiums of these individuals by up to 4 times compared to non-smokers.
Motor Vehicle Fatalities in Shackelford County
The Texas Department of Transportation (TxDoT) reported 58 crashes in Shackelford County in 2020, with zero fatalities. Alcohol is identified as the primary cause of fatal crashes in Shackelford County in over 33% of all driving fatalities.
Final Expenses – Shackelford County Funeral Home Cost
The average price of a funeral in Shackelford County costs about $6,700, making it the most expensive in the surrounding area, and even more expensive than the Texas average of $6,200. Out of the neighbors, Jones County and Taylor County have an average funeral expense at over $5,700. Meanwhile, residents of Callahan County tend to pay closer to $5,500 for a traditional funeral.
Among all Texas counties, 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
Roughly 46% of Americans die with less than $10,000 in savings and the expense of a simple funeral can be a huge issue and an unbearable burden on both their family and friends. Rather than grieving their loss, they must find a means to pay to bury you.
Aside from the burial costs, the deceased often leave behind unpaid taxes and other debts for the family to deal with.
Term Life Insurance and Final Expense Insurance are the most commonly used life insurance policies to cover "final expenses" up to $50,000
Variations of Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense, are the most commonly used life insurance policies to leave money to the family.
Contact a knowledgeable life insurance licensed agent in the state of Texas for consultation and advice on life insurance in Shackelford County.
