up button arrow
https://texasinsurance.org is a privately owned website that is not owned or operated by any government agency

Somervell County

Driving in Somervell County

An estimated 7,267 private and commercial vehicles call the roads of Somervell County their home. This number accounts for approximately 0.03% of all vehicles registered in the entire state of Texas.

Over 87% of adult drivers in Somervell County commute to work by themself, and more than half of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured and about 1,400 vehicles in Somervell County alone are possibly uninsured.

Auto Insurance Analysis:

  1. Over 7 thousand vehicles registered in Somervell County need insurance coverage. Liability coverage is required for all vehicles on the road, to protect others from the damage you may cause in an accident. Depending on the type of vehicle and its use, the required insurance may be: Private Auto, Farm Auto, Comprehensive Coverage, Farm Transportation, Inland Marine, etc.

  2. Approximately 20% of Texas drivers are uninsured. Hence, Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

  3. Majority of Somervell County roads are rural. Rural roads have less traffic and less potential for a 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, Somervell county residents should consider Comprehensive Auto coverage, which helps in repairing the damage after hitting an animal.

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

Somervell County Housing

Somervell County’s 3,968 housing units are divided between Homeowners (80%) and Renters (20%). Similarly, the neighboring counties are mostly composed of owner-occupied homes as well, with Erath County having the lowest owner-occupied rate at 64% and less than 37% of housing listed for rent. Somervell County’s 80% owner-occupied rate is the highest figure in the region, and it is significantly higher than the state average of 62%.

1 in 5 housing units in Somervell County experiences housing problems such as overcrowding, lack of plumbing, or issues with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Nearly 4 Thousand housing units in Somervell County need insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from possible loss or damage.

  2. With nearly 800 housing units in Somervell County as rentals, landlords obtain Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants.

  3. Tenants buy 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 Somervell County may require Renters insurance as a condition of the lease.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Somervell County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

A Texas P&C Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the locally available plans that fit your needs,
  • provides you with the available options of coverage,
  • explains how the differences between the options affect you once you start using each insurance product
  • assists you with the application process
  • does not affect your cost of insurance. (agent’s service is usually paid by the insurer)

Somervell County Health

In Somervell County, roughly 18% of residents under 65 years old, including children, lack proper health insurance. This figure is slightly lower than the Texas average of approximately 20.7 percent (in 2021). Hood County has the same percentage as Somervell County, and this is the lowest figure among the neighboring counties. Erath County has the highest uninsured rate of approximately 24%.

More than 1 in 5 adults (or nearly 1,519 residents) in Somervell County reports problems with health.

24% of the Somervell County population do not participate in physical exercise activities.

Around 29% of Somervell County residents are considered obese (with a BMI of 30 or more), which is slightly lower than the Texas average of 31.4%. Among the neighboring counties, Bosque County reports the lowest – at 26% of the residents, while almost 40% of adults from Johnson County may be considered obese, and this is the highest figure in the region.

At least 4 health insurers in Somervell 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 more than 1 thousand residents of Somervell County lack this necessity.

  2. Depending on their specific needs (both medically and financially) it is easier for Texans to obtain coverage since Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. 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. To substantially lower the cost of insurance for low-income consumers, government subsidies are generally advised if health insurance is not being purchased due to unaffordability.

  4. Short-term insurance may provide an alternative saving path if you do not have pre-existing conditions. (* 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 to Somervell County residents.

A Texas health insurance agent: analyzes your needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process, and at any time you need to make a change to the policy, or shop for replacement coverage.

Somervell County Mortality and the End of Life Statistics

The average life expectancy for the residents of Somervell County is around 78 years old, which is slightly lower than the Texas average of 79.2. Neighboring counties such as Hood, Johnson, and Bosque counties have nearly similar average life expectancies to that of Somervell County (77-78 years). The highest life expectancy in the state of Texas is seen in Presidio County at 88.8, and the lowest expected life span is in Donley County, at 72.8 years old.

In 2022 there were approximately 1,792 seniors (65 and older) residing in Somervell County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not have an active life insurance policy of any type.

  2. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the duration of the policy.

Motor Vehicle Fatalities in Somervell County

Motor vehicle fatalities in Somervell County statistically occur at a rate of 30.72 per 100,000 vehicles on the road: approximately 2 fatal crashes per year.

In 2020, Texas Department of Transportation (TxDoT) reported 122 crashes in Somervell County, with a resultant 1 fatality. Alcohol is determined as the main factor for the fatal crashes in Somervell County in over 15% of all driving fatalities.

Final Expenses – Somervell County Funeral Home Cost

The average price for a funeral in Somervell County is over $6,000, which is not too far from the state average ($6,200). Among the neighbors, Hood County has the lowest average funeral cost of almost $5,000, while Johnson County has the most expensive funeral cost average in the region at approximately $6,100.

Across 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 savings of less than $10,000, seniors could be placing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of.

  3. The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense Insurance.

  4. Life insurance policies that may provide financial assistance to the bereaved 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.

To find out more about life insurance options in Somervell County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers for comparison.