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Titus County

Driving in Titus County

The number of private and commercial automobiles registered in Titus County is estimated to be around 25,973, accounting for 0.11% of all registered vehicles in Texas.

In Titus County, over 84% of adult drivers drive alone to work, and almost 1 out of every 5 of its residents commute for more than 30 minutes.

An estimated 20% of drivers in Texas are uninsured, with over 5,000 uninsured vehicles in Titus County.

Auto Insurance Analysis:

  1. Approximately 26,000 automobiles are registered in Titus County, all of which require insurance coverage. Depending on the kind of vehicle and its intended use, the needed insurance may vary: Private Auto, Farm Auto, Auto Liability, Inland Marine, etc.

  2. Uninsured Driver Coverage is crucial since one out of every five drivers in Texas is uninsured. The statewide cost of paying for both uninsured and underinsured auto coverage in Texas is almost $900 million per year.

For consultation and advice about auto insurance in Titus County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Titus County Housing

Titus County has roughly 12,748 housing units in 2022, and just like the majority of Texas, it is dominated by homeowner-occupied properties (67%).. The same goes for the surrounding counties, with Franklin County having the highest rate at about 79% homeowner-occupied, while Titus County coming in last.

Almost 1 out of 5 of Titus County housing experiences severe housing problems. The most prevalent problems are high housing expenses, overcrowding, a lack of plumbing, and kitchen problems.

Housing Insurance Analysis:

  1. Nearly 13 thousand dwelling units in Titus County require 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. Having over 4,000 rented units, landlords are highly advised to obtain Landlord Insurance. This will cover the property from possible liability claims by their tenants.

  3. The tenants are advised to get Renters Insurance coverage. The purpose of this coverage is to protect their belongings from possible damage or loss. Additionally, this type of insurance will also cover various types of damages (fire, smoke, water, and vandalism) and theft. Do take note that Renters Insurance may be required by some landlords operating in Titus County as part of their lease conditions.

For consultation and advice about Homeowners insurance or Renters insurance in Titus County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Titus County Health

Despite not being the worst in terms of health insurance coverage when compared to its neighbors, about 1 out of every 4 individuals in Titus County lack health coverage. Furthermore, more than 10% of children in Titus County are uninsured. Titus County has the highest adult uninsured rate (25%), whereas Franklin County has the lowest average (17%) among the neighboring counties. The highest uninsured rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County at just 11.4%. As of 2022, the average adult uninsured rate in Texas was around 20.7%.

There are approximately 1 in 4 people in the county that report problems related to health. This amounts to over 6,000 people in Titus County.

Around 29% of the residents of Titus County do not participate in physical activities. One factor that contributes to poor health is the lack of physical exercise.

Around 34% of the residents are obese in Titus County (with a BMI of 30 or more), which is higher than the Texas average of 31%. Compared to the neighboring counties, Camp County reports the lowest obesity rate (21%) and Red River County has the highest obesity rate (40%).

There are only 2 health insurers in Titus County that offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Over 7,000 Titus County residents lack health insurance coverage, which is considered the most important type of insurance any person should have.

  2. Overall, Texas citizens have access to a variety of health insurance options, as well as additional product coverage. Health insurance options include Marketplace ACA Health Insurance, Short-Term Insurance, Hospital Indemnity, and others.

  3. If health insurance is deemed unaffordable, there are government subsidies available to assist low-income individuals by significantly cutting the price. Don't be caught off guard in the event of a medical emergency by taking out a health insurance policy.

  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)

For consultation and advice about health insurance in Titus County, contact a health insurance agent licensed in the state of Texas.

Titus County Mortality and the End of Life Statistics

At a rate of 76.9 years,Titus County residents have a shorter life expectancy than the Texas average of 79.2 years. Among its neighbors, Franklin County has the highest life expectancy of 78.1 years, while Red River and Morris Counties have the lowest lifespan of 74 years.

In 2022, there were almost 5,000 senior citizens (65 years old and older) residing in Titus County.

Life Insurance Facts:

  1. 48% of Americans in 2021 have been recorded as not having any type of active life insurance policy.

  2. Keep in mind that the cost of life insurance is significantly influenced by the age of the insured at the time of application and acceptance. Locking in the premium price at a young age is a way to save money over the term of the policy.

Motor Vehicle Fatalities in Titus County

Motor vehicle fatalities occur at a rate of 19.21 per 100,000 cars on the road in Titus County. This amounts to an average of 4-5 fatal collisions every year, according to statistics.

The Texas Department of Transportation (TXDoT) recorded a total of 707 collisions in Titus County within 2020, with 12 fatalities confirmed. The identified primary cause of fatal collisions in Titus County is alcohol, and it is attributed to 15% of all driving fatalities.

​​Final Expenses - Titus County Funeral Home Cost

A traditional funeral in Texas can cost between $5,000 and $12,000, while the average across the state is around $6,200, which includes basic service fees, casket, embalming, transportation, viewing, and burial.

Life Insurance Analysis

  1. With 46% of Americans dying with savings of less than $10,000, seniors could be placing the unnecessary and frequently unbearable financial burden on their family and friends. Instead of grieving their loss of their loved one, the family may have to concentrate on finding a way to pay for it. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

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

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

  4. The most frequently used life insurance policies to leave money to the family, friends, or even a charity are the variations of: Term Life Insurance and Cash Value insurance, such as Whole Life insurance and Indexed Universal Life (IUL) insurance.

To find out more about life insurance options in Titus County, speak with a knowledgeable Texas-licensed life insurance agent with access to multiple insurers for comparison.