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Walker County

Driving in Walker County

An estimated 56,609 private and commercial vehicles call the roads of Walker County their home.

Over 82% of adult drivers in Walker County commute to work by themself, and more than 37% of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which can be over 11,000 vehicles in Walker County alone.

Auto Insurance Analysis:

  1. Nearly 57 thousand vehicles registered in Walker County need some type of insurance coverage. Depending on the type of vehicle and its use, the required insurance may be Private Auto, Commercial Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, etc. Auto Liability coverage is required on every vehicle on the road.

  2. Over 42,000 drivers commuting daily is one of the reasons why auto premium costs in Walker County tend to be higher, compared with less densely populated counties. Everyone driving a separate vehicle means that there are more vehicles on the road, which increases the likelihood of a collision. The risk goes up, so do the premium prices.

  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.

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

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Car Insurance in Texas

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Walker County Housing

There were at least 28,976 housing units in Walker County in 2022. The majority of the housing units were privately owned (51%), with the remaining (49%) as rental units. The Texas average is closer to a 62/38 split. Comparing Walker County to its neighbors, it has the highest number of renters per available housing unit. Meanwhile, San Jacinto County, Trinity County, and Grimes County are all 76-80% owner-occupied.

Almost 1 in 5 of the housing units in Walker County are experiencing housing problems due to overcrowding, lack of plumbing, or issues with the kitchen.

Housing Insurance Analysis:

  1. Nearly 29 thousand housing units in Walker County need insurance coverage. At a minimum, all of them should have Homeowners or Condo insurance, and/or Business property insurance (for apartment complexes) to protect their investment from loss or damage.

  2. With over 14 thousand housing units in Walker County as rentals, landlords are advised to obtain Landlord Insurance, which covers the property itself and the possible liability claims arising from the tenants.

  3. Tenants are advised to obtain 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 Walker County may require Renters insurance as a condition of the lease.

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

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Residential Insurance in Texas

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Walker County Health

Walker County's uninsured rate of 19% is 2% lower than the Texas state average. In comparison to its neighbors, Montgomery County has the fewest residents without sufficient health insurance (17%), while Madison County has the most, with 24 percent of citizens lacking this critical protection.

Almost 14,000 Walker County residents are in poor health. One of the biggest causes of ill health in Walker County is a lack of physical activity, with 22% of individuals failing to exercise on a regular basis. Obesity affects 32% of Walker County citizens due to a lack of physical activity. When compared to its neighbors, Houston County has the largest rate of physically inactive residents (32%), while Montgomery has the lowest (18%).

At least 3 health insurers in Walker 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 almost 12 thousand residents of Walker County lack this necessity.

  2. Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. This makes it easier for Texans to obtain coverage that fits their specific needs (both medically and financially): Group or Individual ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  3. If health insurance is not being purchased due to unaffordability, low income consumers are advised to apply for government subsidies, which can substantially lower the cost of insurance.

  4. If you do not have pre-existing conditions, Short term insurance may provide an alternative saving path. (* 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 Walker County contact a health insurance agent licensed in the state of Texas, who has access to multiple insurers, for comparison.

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Health Insurance in Texas

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Walker County Mortality and End of Life Statistics

The average life expectancy of Walker County residents is 78.8 years old, which is lower than the Texas state average of 79.2. Comparing the neighboring counties: Montgomery County sees the highest average life expectancy in the area, at 79.7 years old, while Trinity County’s expected average life span is the lowest among the neighbors at 74. The highest life expectancy in 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 almost 10,000 senior residents (65 and older) in Walker County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have life insurance.

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

Motor Vehicle Fatalities in Walker County

Motor vehicle fatalities occur at a rate of about 15.25 per 100,000 vehicles on the roads of Walker County. This amounts to an annual average of around 8-9 fatal collisions.

In 2020, the Texas Department of Transportation (TxDOT) reported over 1,400 crashes in Walker County, with a resultant 17 fatalities. Alcohol has been determined to be the primary cause of fatal crashes in Walker County in more than 22% of all driving fatalities.

Final Expenses –Walker County Funeral Home Cost

In Walker County, the average funeral cost is around $5,000. This is less than the average funeral cost in Texas, which is around $6,200. Montgomery County’s funeral home cost is $7,300 which is the highest cost among its neighboring counties.

Life Insurance Analysis (continued):

  1. With 46% of Americans dying with less than $10,000 in assets, over 4,000 Walker County seniors may be putting an unnecessary and frequently painful financial strain on their family and friends. Rather than grieving, the family must concentrate on determining how to pay.

  2. Apart from burial fees, the deceased frequently leave behind taxes and other debts for the family to deal with.

  3. The most often 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 products to leave money to the family are variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance.

For consultation and advice about life insurance options in Walker County, contact an experienced life insurance agent licensed in the state of Texas, who has access to multiple insurers and plans.

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

Life Insurance in Texas

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