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

Waller County

Driving in Waller County

Waller County has an estimated 46,815 private and commercial vehicles registered, accounting for about 1 out of 500 vehicles registered in Texas.

Over 81% of adult drivers in Waller County commute on their own to work, and more than half of those commutes last more than 30 minutes.

It is estimated that 1 out of 5 Texas drivers are uninsured across the state, with approximately 9,300 vehicles in Waller County possibly uninsured.

Auto Insurance Analysis:

  1. Almost 47 thousand vehicles registered in Waller County are required to have insurance. Depending on the type of vehicle and its use, private auto, commercial auto, comprehensive coverage, commercial transportation, inland marine, and other types of insurance may be required. Auto liability is a requirement for any vehicle on the road.

  2. A significant portion of Waller County roads are in rural areas. Rural roads have less traffic and a lower risk of vehicle collision. Meanwhile, animals are more likely to get in the way of moving cars in rural areas. The majority of crashes into animals in Texas happen twice a day, from 5-8 a.m. and again from 6 p.m. to midnight. The month of November has the highest chance of a collision with a deer. As a result, residents of Waller County should consider Comprehensive Auto coverage, which assists in repairing damage caused by an animal collision.

  3. Uninsured Driver Coverage is essential for auto insurance because one out of every five drivers in Texas is uninsured. Texans spend nearly $900 million per year on both uninsured and underinsured auto coverage.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a consultation and advice on auto insurance in Waller County.

Waller County Housing

Waller County had approximately 18,371 housing units in 2022. The county's housing market is divided between homeowners (68%) and renters (32%), similarly to the average across the state (62 and 38). The surrounding counties are also mostly composed of owner-occupied homes. Fort Bend County leads the way with the most homeowners and less than 23% of housing for rent, while Harris County’s 2 million housing units are 45% for rent.

More than 1 out of every 5 of housing units in Waller County have housing issues, such as overcrowding, a lack of plumbing, or kitchen problems. Housing consumes more than half of a household's income in approximately 15% of homes.

Housing Insurance Analysis:

  1. Waller County has over 18,000 housing units that require insurance coverage. At the very least, they should all have Homeowner's coverage to protect the property's owners from loss or damage and to guard the underlying financial investment against potential loss or damage.

  2. Landlords of the nearly 6,000 rental units acquire Landlord Insurance which protects them and the property from potential liability claims by its tenants.

  3. Renters Insurance is obtained by tenants to protect their belongings from possible damage or loss. Renters' insurance is typically inexpensive and provides protection to the tenant's belongings from theft and damage caused by fire, smoke, water, and vandalism. Some Waller County landlords 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 Waller County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Waller County Health

Waller County's rate of adequate health insurance coverage is among the lowest in the state and one of the worst among its direct neighbors. In Waller County, nearly a quarter of adults (23.9%) and more than 14% of all children do not have proper health insurance coverage. Among the neighbors, Harris County has the highest adult uninsured rate (24%), while Fort Bend County (with 15%) has the lowest. On the state level, Gaines County has the highest uninsured adult rate in Texas, at nearly 36%, while Loving County has the lowest rate, at around 11%. The average adult uninsured rate in Texas in 2021 was around 20.7 %.

Nearly 1 out of 4 adults (around 10,000 people) in Waller County have problems with health.

31% of the Waller County population does not engage in physical activity, which affects 35% of Waller County residents being obese (with a BMI of 30 or higher). This is higher than the Texas state-average of 31%. Fort Bend County has the lowest obesity rate among neighboring counties, at 26% of residents, while Grimes County has the highest with more than 40% of adults who are obese.

On and off the state marketplace, at least 4 health insurers in Waller County provide affordable and frequently subsidized ACA health insurance.

Health Insurance Analysis:

  1. Health insurance is the most important type of insurance, and nearly 13 thousand Waller County residents do not have it.

  2. Texas is one of the states that permits the sale of various types of health insurance and supplemental products. This makes it simpler for Texans to obtain coverage that fulfills their specific needs (both medically and financially): Marketplace or Group ACA health insurance, Short-term insurance, Hospital Indemnity, Accident & Health, etc.

  3. If low-income consumers are unable to obtain health insurance due to financial constraints, they must apply for government subsidies, which can significantly reduce their cost of insurance.

  4. Short-term insurance may be an alternative way to save if you do not have any pre-existing conditions. (* After a year or more of coverage, some Texas multi-year short term health insurance plans may cover certain pre-existing conditions.)

For consultation and advice about health insurance in Waller County, contact a knowledgeable health insurance agent who has access to multiple insurers and is licensed in the state of Texas.

Waller County Mortality and the End of Life Statistics

A Waller County resident's life expectancy is 79.7 years old, which is close to the Texas average of 79.2 years old. When compared to its neighboring counties, Fort Bend County has the highest life expectancy at 83 years old, adding more than 3 years on top of Waller County. On the other hand, Grimes County has the lowest at 76.7 years old. Presidio County has the highest life expectancy in Texas, at 88.8, and Donley County has the lowest, at 72.8 years.

In 2022, there were more than 7,000 senior residents (65 and older) in Waller County.

Life Insurance Facts:

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

  2. Keep in mind that the cost of life insurance is strongly influenced by the age of the insured when they apply for and get accepted for the policy. It is generally advised to lock in the premium price at a younger age because it can provide the insured with more savings over the course of the policy.

Motor Vehicle Fatalities in Waller County

In Waller County, motor vehicle fatalities occur at a rate of 17.69 per 100,000 vehicles on the road. This equates to an average of 8-9 fatal crashes per year.

In 2020, the Texas Department of Transportation (TXDoT) reported 843 crashes in Waller County, with the resulting 18 fatalities. Alcohol has been determined to be the primary cause of fatal crashes in Waller County in more than 20% of all driving fatalities.

Final Expenses - Waller County Funeral Home Costs

Funeral expenses in and around Waller County vary drastically. The average price of a funeral in Waller County is around $5,300, which is the most affordable in the surrounding area and significantly lower than the Texas state average at $6,200. Among the neighbors, Harris Countyhas the most expensive average funeral cost, of around $8,200..

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, over 3,000 Waller County senior citizens may be putting an unnecessary and frequently unbearable financial burden on family and friends. Instead of focusing on their loss, the family must focus on finding a way to pay. (Note: If paying for funeral services with life insurance, most funeral homes require the policy to be "assignable.")

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

  3. When it comes to covering "final expenses" of up to $50,000, term life insurance and final expense insurance are the most commonly used types of insurance policies.

  4. Variations of Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense insurance, are the most common life insurance policies used to leave money to family members.

For consultation and advice about life insurance in Waller County, contact a knowledgeable life insurance agent, who has access to multiple insurers and plans, and is licensed in the state of Texas.