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Webb County

Driving in Webb County

Webb County's roads are home to an estimated 219,574 private and commercial vehicles. This figure represents nearly 1% of all vehicles registered in Texas.

Almost 82% drivers in Webb County drive alone to work, with more than one-quarter of those trips lasting more than 30 minutes.

Uninsured drivers account for an estimated 20% of Texas drivers, with nearly 44,000 uninsured vehicles in Webb County alone.

Auto Insurance Analysis:

  1. Over 200,000 registered vehicles in Webb County are required to have insurance. The following insurance policies may be required depending on the type of vehicle and its intended use: Private Auto, Commercial Auto, Auto Liability, Commercial Transportation Inland Marine, and so on.

  2. Because everyone drives on their own, there are more vehicles on the road, which increases the likelihood of a collision. Premiums are usually raised as a result of this.

  3. A longer commute raises the cost of auto insurance because it lengthens the amount of time a driver spends on the road and increases the likelihood of being involved in a car accident.

  4. In Texas, where one out of every five drivers is uninsured, uninsured driver coverage is becoming increasingly important. In Texas, the annual cost of uninsured and underinsured motorist coverage is nearly $900 million.

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

Webb County Housing

Webb County's 90,479 housing unit market is split between homeowners (62%) and renters (38%) on par with the Texas state average closer to a 62/38 split. The neighboring counties are mostly made up of owner-occupied homes as well, with McMullen County having the highest rate at nearly 76%. Webb County, on the other hand, has the fewest live-in home owners in the surrounding area.

More than one-third of Webb County's housing units are experiencing housing problems as a result of high housing costs, congestion, a lack of plumbing, or kitchen issues.

Housing Insurance Analysis:

  1. Over 90,000 housing units in Webb County require insurance coverage. At a minimum, they should all have Homeowners or Condo coverage to protect the property's owners from loss or damage. Apartment complexes and condo associations are covered by Business Property insurance.

  2. Landlords in Webb County, which has over 34,000 rental units, should obtain Landlord Insurance, which covers both the property and potential liability claims from tenants.

  3. Tenants should obtain Renters Insurance to protect their belongings from potential damage or loss. Renters' insurance usually protects tenants' belongings from theft and damage caused by fire, smoke, water, and vandalism. Some Webb County landlords may require renters insurance as a condition of the lease.

Contact a Property & Casualty (P&C) insurance agent in Webb County for a consultation and advice on Homeowners insurance or Renters insurance.

Webb County Health

Webb County is the worst rated when compared to its neighbors in terms of health insurance coverage, nearly 1 out of every 3 adults (over 30%) and approximately 13% of all children do not have health insurance coverage. Zapata County has the second highest adult uninsured rate among neighboring counties, at around 29%, while McMullen County has the lowest, at under 14%. In comparison, Gaines County has the highest rate of uninsured adults in Texas, at nearly 36%, while Loving County has the lowest, at 11%. In 2021, the average adult uninsured rate in Texas was around 21%.

More than one-third of Webb County's adults have a health issue.

Approximately 32% of Webb County residents are not physically active on a daily basis.

Obesity (BMI of 30 or higher) affects approximately 37% of Webb County residents, which is significantly higher than the Texas average (31%). Jim Hogg County has the lowest obesity rate among neighboring counties, with approximately 23% of its residents are obese. Webb County, on the other hand, has the highest obesity rate among its neighboring counties.

Webb County has at least three health insurers that offer affordable and frequently subsidized ACA health insurance, both on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most important type of insurance, and more than 76,000 Webb County residents do not have it.

  2. Texas is one of the states that allows for a variety of health insurance and supplemental products, making it easier for residents to obtain coverage: Marketplace ACA health insurance, various types of short-term insurance (up to three years), hospital indemnity, accident, and health insurance, and so on.

  3. If low-income residents can't afford health insurance, they should apply for government subsidies, which can drastically reduce the cost of coverage. If you don't have any pre-existing conditions, short-term insurance may be an option for you. (Note: short-term insurance may cover some pre-existing conditions after a year of coverage.)

Contact a health insurance agent licensed in the state of Texas for a consultation and advice on health insurance in Webb County.

Webb County Mortality and the End of Life Statistics

Webb County residents live an average of 80.5 years, which is higher than the Texas average of 79.2. When compared to neighboring counties, Webb County has the highest, while Duval County has the lowest, with a life expectancy of 74.7 years. Presidio County has the highest life expectancy in Texas (88.8), while Donley County has the lowest (72.8).

The senior population in Webb County in 2022 was over 27,000 people.

Life Insurance Facts:

  1. In 2021, 48% of Americans lacked any type of active life insurance policy.

  2. The premiums for life insurance are calculated based on the insured's age at the start of the policy. The younger you are when you buy it, the lower your premiums will be over the course of the policy.

Motor Vehicle Fatalities in Webb County

In Webb County, motor vehicle fatalities occur at a rate of 9.96 per 100,000 vehicles on the road, resulting in 21-22 fatal crashes per year.

In 2020, the Department of Transportation (TxDoT) in Webb County reported 4,569 crashes, with 14 fatalities as a result. Alcohol has been identified as the primary cause of fatal crashes in Webb County, accounting for approximately 22% of all driving fatalities.

Final Expenses – Webb County Funeral Home Cost

Funeral prices in and around Webb County vary only fractionally. The average funeral cost in Webb County exceeds $5,000, which is lower than the Texas-average of $6,200. Duval County has funeral costs of closer to $7,000.

Life Insurance Analysis:

  1. Basic funeral costs can be an issue for 46% of Americans who die with less than $10,000 in savings, putting an unnecessary and often unbearable burden on family and friends. Rather than lamenting their loss, the family must focus on finding a way to pay.

  2. In addition to burial expenses, the deceased frequently leave behind taxes and other debts for the surviving family to deal with.

  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 commonly used life insurance products to leave money to family members are variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance.

Contact a life insurance agent licensed in the state of Texas for consultation and advice on life insurance in Webb County.