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Tom Green County

Driving in Tom Green County

Tom Green County's highways are home to an estimated 95,007 private and commercial vehicles. This figure represents roughly 0.41% of all vehicles registered in the state of Texas.

Nearly 80% of adult drivers in Tom Green County commute alone to work, and more than 1 in 7of those commutes last more than 30 minutes.

With approximately 20% of Texas drivers uninsured, there are approximately up to 19,000 uninsured vehicles in Tom Green County alone.

Auto Insurance Analysis:

  1. Tom Green County has over 95 thousand registered vehicles, all of which require some form of insurance coverage. Depending on the type of vehicle and its intended usage, the following types of insurance may be required: Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, and other similar types of coverage. Liability coverage is mandatory for all vehicles on the road.

  2. One of the reasons that auto premium expenses in Tom Green County tend to be higher than in less densely populated counties is the high number of drivers who commute each day, averaging over 58,000.

  3. With 1 out 5 drivers uninsured in Texas, Uninsured Driver Coverage becomes increasingly important. Texans spend nearly $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

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

Tom Green County Housing

Similar to the majority of Texas, where most residences are occupied by their owners, Tom Green County's 49,567 housing units are split between homeowners (at over 63%) and landlords (at almost 37%). Among the homes in the neighboring counties, Tom Green County is ranked to have the lowest homes occupied by owners, while Sterling County leading the charts with a ratio of over 8-2 owner-occupied and rented.

Housing problems, overcrowding, a lack of plumbing, or problems with the kitchen are experienced by nearly 1 in 7 housing units in Tom Green County. Residents of around 15% of homes spend more than half of their income on housing costs.

Housing Insurance Analysis:

  1. In Tom Green County, almost 50,000 housing units need insurance coverage. To safeguard the underlying financial investment from potential loss or damage, all owners of these properties should acquire Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes).

  2. With over 18,000 rental units in Tom Green County, landlords are recommended to purchase Landlord Insurance, which covers the property as well as potential liability claims from renters.

  3. Tenants should purchase Renters Insurance to protect their valuables from damage or loss. Renters' insurance is typically inexpensive and covers the tenant's property against theft and damage caused by fire, smoke, water, and vandalism. Some Tom Green County landlords may impose Renters Insurance as a condition of the lease.

For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Tom Green 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)

Tom Green County Health

Tom Green County has a higher rate (<18%) of residents with health insurance compared to the state of Texas average (>20%) and is found to be the highest among its neighbors. In Tom Green County, nearly 1 out of 5 adults and 10% of all children do not have health insurance. Menard County has the highest adult uninsured rate among neighboring counties, at nearly 29%, which is substantially higher than the Texas average. Irion County has the lowest adult uninsured rate (14%) in the area. Gaines County has the highest uninsured adult rate in Texas, at nearly 36%, while Loving County has the lowest rate, at 11.4%. The average adult uninsured rate in Texas was roughly 20.7% in 2021.

In Tom Green County, more than 1 in 5 adults (over 19,000 people) has a health problem.

Almost a quarter (24.9%) of the population of Tom Green County does not engage in any form of physical activity at all.

In Tom Green County, approximately 30% of the population is considered obese (with a BMI of 30 or more), which is lower than the state average of 31.4% in Texas. Runnels County has the lowest obesity rate of the neighboring counties - roughly 19% – while the majority of the neighboring counties nearly have the Texas average obesity rate, which may be considered obese.

At least 3 health insurers in Tom Green County, both on and off the state marketplace, provide affordable and frequently subsidized ACA health insurance.

Health Insurance Analysis:

  1. Health insurance is the most crucial type of insurance coverage, yet nearly 18,000 residents of Tom Green County do not have this essential coverage.

  2. Texas is one of the states that permits the sale of a variety of health insurance and supplemental products. This makes it easier for Texans to find coverage that meets their individual requirements (both medically and financially): Group or Individual Marketplace ACA health insurance, various types of Short-term insurance (up to three years of coverage), Hospital Indemnity, Accident and Health insurance, and more.

  3. If health insurance is not obtained due to cost, low-income individuals should apply for government subsidies, which can significantly reduce or almost completely eliminate the out-of-pocket cost of health insurance.

  4. If you do not have any pre-existing problems, Short-term insurance may be an option for you. (* 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 Tom Green 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,
  • 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 paid by the insurer)

Tom Green County Mortality and the End of Life Statistics

Tom Green County residents have a life expectancy of roughly 77.8 years, which is lower than the Texas average of 79.2. Concho and Reagan counties have slightly greater life expectancies than Tom Green County, adding about 3 years. Presidio County has the highest life expectancy in the state of Texas, at 88.8, while Donley County has the lowest, at 72.8 years old.

In 2022 there were almost 19,000 seniors (65 and older) residing in Tom Green County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have an active life insurance policy of any type.

  2. Life insurance premiums are calculated based on the insured's age at the start of the policy. The younger you are when you get it, the less you will pay in premiums during the duration of the insurance.

Motor Vehicle Fatalities in Tom Green County

In Tom Green County, motor vehicle fatalities occur at a rate of 14.69 per 100,000 vehicles on the road, for a total of 13-14 fatal crashes every year.

Approximately 2,400 crashes were reported in Tom Green County by the Texas Department of Transportation (TxDoT) in 2020, resulting in the deaths of 15 people.

One of the main contributing factors in fatal crashes in Tom Green County is determined to be alcohol in more than 31% of all driving fatalities there.

Final Expenses – Tom Green County Funeral Home Cost

The cost of a funeral service in and around Tom Green County can be expensive. The cost of a funeral in Tom Green County is approximately $7,700 on average; this figure is the highest of any county in the surrounding area. The average funeral cost in Coke County is over $6,500, making it the second most expensive county in the area behind Tom Green County. Concho County funeral homes are nearly half the price of Coke County's average funeral cost of over $6,500, making them much more in line with the state's average of $6,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, nearly 9,000 Tom Green County senior residents may be putting an unwanted and often unbearable financial strain on family and friends. Instead of focusing on their loss, the family may need to focus on finding a method to pay. (Note: If paying for funeral services with life insurance, most funeral houses want the policy to be "assignable.")

  2. Aside from burial expenses, the departed frequently leave behind taxes and other debts for the family to deal with.

  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. The most commonly used life insurance policies to leave money to the 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.

Speak with a knowledgeable and experienced Texas-licensed insurance professional about life insurance options available in Tom Green County.

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