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Wilbarger County

Driving in Wilbarger County

An estimated 9,836 private and commercial vehicles call the roads of Wilbarger County their home. This figure accounts for 0.04% of all vehicles in Texas.

Almost 79% of adult drivers in Wilbarger County commute to work by themself, and almost 12% of those commutes last for over 30 minutes.

It is estimated that 20% of Texas drivers are uninsured, which could be almost 2,000 vehicles in Wilbarger County alone.

Auto Insurance Analysis:

  1. Nearly 10 thousand vehicles registered in Wilbarger 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, on the other hand, is required by Texas law.

  2. 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 Wilbarger County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Wilbarger County Housing

There were approximately 6,204 housing units in Wilbarger County in 2022 and the majority of these properties were homeowner-occupied (60%), with a smaller portion (40%) listed as rental units. The Texas average is closer to a 62/38 split between owner-occupied homes and renter-inhabited properties. The neighboring counties largely consist of homes occupied by owners as well, with Foard County leading by over 83% owner-occupied rate and less than 20% of housing listed for rent.

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

Housing Insurance Analysis:

  1. Over 6 thousand housing units in Wilbarger 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 2 thousand housing units in Wilbarger County as rentals, landlords obtain Landlord Insurance, which covers the property itself and the possible liability claims arising from the tenants.

  3. Tenants 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 Wilbarger County may require Renters insurance as a condition of the lease.

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

Wilbarger County Health

Wilbarger County's uninsured adult rate of 22% is not too far from the Texas state average (≈21%). In comparison to its neighbors, Hardeman County has the highest number of residents that lack proper health insurance with a 27% uninsured rate. Baylor County has the fewest residents without sufficient health insurance (16%).

More than 2,000 (≈22) Wilbarger County residents are in poor health. One of the biggest causes of ill health in Wilbarger County is the lack of physical activity, with 31% of the population failing to exercise on a regular basis. Obesity affects 36% of Wilbarger County residents. When compared to its neighbors, Wilbarger County and Wichita County have the highest rate of obesity (36%), while Baylor County has the lowest (27%).

The highest uninsured adult 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%. In 2021, the average adult uninsured rate in Texas was around 20.7%.

At least 1 health insurer in Wilbarger County offers 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 over 2 thousand residents of Wilbarger 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 or even eliminate 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 Wilbarger County, contact a health insurance agent licensed in Texas. These knowledgeable agents have access to multiple insurers and can assist you with making the best decisions.

Wilbarger County Mortality and End-of-Life Statistics

The average life expectancy of Wilbarger County residents is 75.6 years old, which is lower than the Texas state average of 79.2. Comparing the neighboring counties: Hardeman County has the longest life expectancy average in the area at 77 years old, while Baylor County’s expected average life span is the shortest among the neighbors at 73.8 years. The longest life expectancy in Texas is observed in Presidio County at 88.8, and the shortest expected life span is in Donley County at 72.8 years old.

In 2022, there were over 2,300 senior residents (65 and older) in Wilbarger County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not have life insurance.

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

Motor Vehicle Fatalities in Wilbarger County

Motor vehicle fatalities occur at a rate of about 21.02 per 100,000 vehicles on the road in Wilbarger County. This amounts to an annual average of around 2-3 fatal collisions.

In 2020, the Texas Department of Transportation (TxDOT) reported 231 crashes in Wilbarger County, with a resultant 2 fatalities. Alcohol has been determined to be the primary cause of fatal crashes in Wilbarger County in 20% of all driving fatalities.

Final Expenses – Wilbarger County Funeral Home Cost

In Wilbarger County, the average funeral cost is around $5,800. This is lower than the average funeral cost in Texas, which is around $6,200. Wichita County’s funeral home cost is $6,600, which is the highest cost among its neighboring counties.

Across the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a basic burial can become a concern to the senior residents of Wilbarger County, putting an unwelcome and often unpleasant strain on family and friends. Rather than mourning their loss, the family must concentrate on determining how to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Apart from burial expenses, 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 Term Life Insurance and variations of Permanent Life Insurance: Whole, Indexed Universal Life, and others.

For a consultation and advice about life insurance options in Wilbarger County, contact a knowledgeable life insurance agent licensed in the state of Texas. These professionals can help you evaluate your needs and then offer you multiple solutions to fill them.