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Swisher County

Driving in Swisher County

Swisher County has around 5,748 private and commercial vehicles. This number constitutes around 0.02% of the total automobiles registered in Texas.

Approximately 81% of the Swisher County drivers travel to and from work alone, and almost 31% of those commutes last for more than half an hour.

Roughly 20% of Texas drivers are not insured, and over 1,100 vehicles in Swisher County alone may be uninsured.

Auto Insurance Analysis:

  1. Almost 6 thousand registered vehicles in Swisher County need some type of insurance coverage depending on the type of vehicle and usage. Commercial Auto, Private Auto, Comprehensive Coverage, Inland Marine, and Non-owner Car Insurance are some of the insurance options available. Liability Coverage is mandated by Texas law, and operating a vehicle without one is illegal.

  2. Uninsured Driver Coverage is becoming more and more important, with 1 out of 5 drivers uninsured. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.

To receive advice about auto insurance in Swisher County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Swisher County Housing

Around 3,158 housing units comprising the real estate market in Swisher County are occupied mainly by homeowners, with a rate of 71% versus 29% for renters. Looking at the neighboring counties, Armstrong County has the highest homeowner-occupied rate with 88%, while Hale County has the lowest with 62%, tying with the Texas state average of 62%/38% split.

In Swisher County, 1 in 7 houses experiences problems like plumbing issues, overcrowding, or kitchen problems. In around 15% of homes, residents spend more than half of their income on housing alone.

Housing Insurance Analysis:

  1. More than 3 thousand residential dwellings in Swisher County need insurance coverage. All owners of these properties should have at least Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes). This insurance coverage protects the financial investment from possible loss or damage.

  2. Landlord Insurance is purchased by landlords to safeguard the property from liability claims that can arise from the tenants.

  3. To protect their belongings from loss or damage, tenants purchase Renters Insurance. This insurance is affordable and usually covers the tenant’s property from theft, damages caused by fire, smoke, water, and vandalism. Renters insurance is one of the lease conditions for some of the landlords in Swisher County.

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

A Texas P&C Insurance Agent:

  • Examines your needs and limitations
  • Explores the plans in your area that best suit your needs
  • Lays out available options of coverage
  • Describes the effect of the different options once the insurance policy becomes active
  • Helps you with the process of application
  • Does not influence your cost of insurance (Agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Swisher County Health

Approximately 26% of adults in Swisher County do not have proper health insurance coverage, which is rated second-worst within its region. Castro County holds the highest adult uninsured rate with 29%, while Randall County has the lowest with 13%. In the entire state of Texas, the highest uninsured adult rate is found in Gaines County with 36%, while Loving County has the lowest rate at 11.4%. The average in Texas for uninsured adults is around 21%.

More than 29% (or around 1,600 adults) in Swisher County report health problems.

In Swisher County, nearly 1 in 5 residents do not engage in physical exercise activities, which is one of the main reasons why 20% of residents are considered obese (with a BMI of 30 or more). This rate is the lowest compared to its neighboring counties, with Hale County having the highest obesity rate at 32%, closer to the Texas average of 31.4%.

There are at least two health insurers in Swisher County that offer inexpensive and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. The most crucial insurance coverage is health insurance, and more than 1,500 residents of Swisher County do not have this necessity.

  2. The sale of multiple types of health insurance and supplemental health insurance is allowed in the state of Texas. This makes it very convenient for Swisher County residents to acquire coverage that fits their specific needs (both medically and financially). Some of these are Marketplace ACA health insurance, Various types of Short-term Insurance (up to 3 years in coverage), Accident & Health, Hospital Indemnity, etc.

  3. For residents who cannot afford health insurance, they are generally advised to apply for government subsidies to lower the cost of insurance.

  4. Short-term health insurance is another option available if you do not have a pre-existing condition. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Explore your insurance needs with a state-licensed Texas health insurance professional with access to various health insurance options available in Swisher County.

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.

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Health Insurance in Texas

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Swisher County Mortality and the End of Life Statistics

The average lifespan for Swisher County residents is 75.3 years, which is four years shorter than the Texas average of 79.2 years, and the shortest within its region. Among the nearby counties, Castro County has the longest life expectancy of 79.5 years. In the entire state of Texas, Presidio County holds the longest life span at 88.8 years, while Donley County has the lowest at 72.8 years.

Almost 1,300 seniors (65 and older) resided in Swisher County in 2022.

Life Insurance Facts:

  1. Approximately 47% of Americans did not have an active life insurance policy in 2022.

  2. Age is a significant factor when determining the life insurance premium rate of the policyholder. So, residents can save more in life insurance premiums over the course of the policy if they get it while they are young.

Motor Vehicle Fatalities in Swisher County

In Swisher County, vehicular fatalities happen at a rate of 30.35 per 100,000 vehicles. An estimate of 1.74 fatal crashes yearly. Alcohol is the main reason for the fatal crashes in Swisher County, with almost 25% of all driving fatalities.

The Texas Department of Transportation (TxDoT), reported 84 crashes resulting in 1 death in Swisher County in 2020.

Final Expenses - Swisher County Funeral Home Cost

The average funeral cost in Swisher County is around $2,700, which already includes basic service fees, casket, and burial. This cost is more affordable compared to its neighboring counties like Armstrong County, with a higher average funeral cost of $8,000, or Randall County, with $5,300. The average funeral cost in the entire state of Texas is around $6,200.

In 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. Nearly 46% of Americans die with less than $10,000 in savings. Senior residents of Swisher County could be placing their family and friends in a difficult financial situation. Instead of grieving their loss, they need to find ways to settle funeral costs. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased may also leave taxes and other debts for the family to take care of, aside from the burial cost. Discuss your senior life insurance needs with a licensed professional.

  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. Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense, are the most typically used life insurance policy variations to leave money to the family.

Talk to an experienced and licensed Texas insurance professional about life insurance options in Swisher County. Knowledgeable insurance professionals with access to multiple insurers can help you evaluate your needs and then offer you different solutions to fill them.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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