Glades County

Driving in Glades County

Glades County residents registered a total of approximately 11,890 vehicles used for personal and commercial purposes. This total makes up 0.07% of all Florida-registered vehicles.

About 71% of adult drivers in Glades County are alone in their respective vehicles when commuting to work, and more than 1 in 3 drivers take more than 30 minutes for each trip.

About 1 in 5 Florida-based drivers do not have auto insurance coverage, and this implies that more than 2,000 vehicles in Glades County could possibly be uninsured or underinsured. Aside from this, around every 7th traffic accident in Glades County is a hit and run.

Motor Vehicle Crashes in Glades County

Deaths caused by vehicular collisions in Glades County statistically occur at a rate of 37.54 per 100,000 vehicles on the road: approximately 5 fatal crashes per year.

In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported 170 crashes in Glades County: 3 fatal crashes that caused 3 fatalities. Studies have shown that in 26% of traffic-related fatalities, alcohol was a significant factor — which is the lowest percentage in the state of Florida.

Auto Insurance Analysis

1. Close to 12 thousand vehicles registered in Glades County are required to have at least the mandatory coverages. Basic Liability and Personal Injury Protection (PIP) coverages are required for all vehicles on the road to protect others from the damage you may cause in an accident. Aside from the mandatory minimum, the vehicle type and its use may prompt vehicle owners to purchase additional coverage such as: Comprehensive Auto, Multi car insurance, Monthly car insurance, Gap, Commercial or Farm Transportation, Temporary car insurance, and so on.
2. The majority of Glades County is rural, and although vehicles that utilize rural roads are less susceptible to vehicular collisions, wildlife-vehicle collisions are more likely to happen — this is especially true for Florida with its diverse ecosystem, where animals (such as deer, black bears, alligators, and various birds) frequently cross the road. According to a study reported by the Florida Fish and Wildlife Conservation Commission (FWC), there has been a 49% increase in the black bear population in southern Florida from 2002 to 2015, making rural road crossings more likely. Although Personal Injury Protection coverage can cover your medical expenses and loss of income, having Comprehensive Auto insurance will help with the cost of repairing the car after hitting an animal.
3. With every 7th crash as a hit-and-run and with 20% of drivers uninsured, Uninsured Driver Coverage remains essential for Glades County residents.

To discuss your auto insurance needs and to find affordable car insurance in Glades County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Florida.

Glades County Housing

Glades County’s estimated 7,254 homes primarily (80%) consist of owner-occupied housing properties, with the remaining 20% as rental units. Among the neighbors, Charlotte County shares Glades County's 80% owner rate as the highest owner-occupied rate in the area. On the other hand, Hendry County’s 65% owner-occupied rate is the lowest, nearly matching Florida’s average.

Across Florida, Sumter County has the most homes occupied by owners (nearly 90%) while Miami-Dade County offers the highest percentage of its real estate as rentals.

About 17% of the homes in Glades County encounter housing problems, overcrowding, substandard plumbing, or kitchen problems. In 1 out of 4 homes, residents dedicate more than 50% of their income to housing expenses.

Housing Insurance Analysis

1. More than 7 thousand residential units in Glades County need insurance coverage. At a minimum, all owners of these properties ought to have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes) to protect the investments from becoming unattended and damaged properties with lower values.
2. Landlords in Glades County take out Landlord Insurance, which covers the property itself and the possible liability claims arising from the tenants and their guests.
3. Renters insurance Moore Haven: Glades County tenants secure Home Renters Insurance coverage to protect their belongings from possible damage or loss. Typically, renters’ insurance is affordable and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Glades County may require Home Renters Insurance before putting pen to paper on a lease.

For consultation and to get a quote on Homeowners, Renters, Condo, Flood, and other types of property insurance in Glades County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Florida.

A Florida P&C insurance agent:

• analyzes your needs and restrictions,
• reviews your current policy, to make sure that the coverages are reflective of the current needs and housing market- helps to update, if needed,
• checks for available savings and bundling discounts,
• 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)

Glades County Health

Approximately 30% of Glades County’s adult population do not have proper health insurance coverage. Among the neighboring counties, DeSoto County is at par with Glades County, followed by Okeechobee County at 27%. Charlotte County’s 18% is the lowest in the region and is the only figure below the Florida average of 19%. Hendry County has the highest uninsured adult rate at 35%, and it is also the highest in Florida. St. Johns County has the lowest rate statewide at 13%.
Approximately 27% (≈3,800) of Glades County residents experience health issues. This is partially due to the fact that among the adult population, 26% smoke, 1 in 5 consume too much alcohol, and around 35% of the residents do not exercise regularly. Additionally, 31% of the population in Glades County have limited access to healthy foods, which is the highest in Florida.
The fact that more than 1 in 3 Glades County residents do not exercise regularly contributes to Glades County’s 39% obesity rate (BMI of 30 or more) — this rate is above the Florida average of 27%. Among the peer counties, Martin County has the lowest obesity rate of 20%, followed by Palm Beach County , at 22%.
In 2022, there were 14 health insurers in Glades County offering affordable and frequently subsidized ACA health insurance on the Florida health marketplace.

Health Insurance Analysis

1. Health insurance is the most important type of insurance coverage as its function is to pay for medical expenses that keep you alive and healthy. But despite this fact, roughly 3,600 residents (below 65 years old) of Glades County do not have proper health insurance coverage.
2. Florida residents have the ability to purchase multiple types of major medical health insurance and supplemental health insurance that picks up the slack for the main policy. This makes it easier for Glades County residents to obtain coverage that fits each individual’s specific needs (both medically and financially): Group or Individual Marketplace ACA health insurance, Various types of Short Term insurance (up to 3 years in coverage), Hospital Indemnity, Critical Illness, Accident & Health, etc.
3. Low income health insurance: If health insurance is not being purchased due to unaffordability, low-income residents of Glades County are generally advised to apply for government health insurance subsidies, which can substantially lower the health insurance cost.
4. If you do not have pre-existing conditions, short-term health insurance may provide an alternative saving path. (* Some Florida 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 knowledgeable state-licensed Florida health insurance professional with access to a variety of health insurance plans available to Glades County residents. Offerings of health insurance may differ between zip codes.
   A Florida 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, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process, and at any time you need to make a change to the policy or shop for replacement coverage.

Glades County Mortality and the End of Life Statistics

The average Glades County resident has a lifespan of 84.1 years, and this figure is the highest in its region. It is also a longer life expectancy compared to the Florida average of 80.2 years. Palm Beach County’s 82.6-year average comes in second, while the shortest life expectancy is observed in Okeechobee County at an average of 76.4 years.
In the entire state of Florida, Collier County has the longest average life expectancy at 86 years old, while the shortest average is recorded in Union County, at under 69 years old.
In 2022 there were approximately 4,000 seniors (65 and older) residing in Glades County.

Life Insurance Facts

1. In 2022, 47% of Americans did not have an active life insurance policy of any type.
2. The life insurance applicant’s age is directly proportional to the premiums that they must pay on the policy. Securing life insurance coverage at a young age allows the insured to save money on premiums over the course of the policy.
3. Roughly 26% of the adults in Glades County smoke, and this habit will likely negatively affect the life insurance premiums of these individuals by up to 4 times compared to non-smokers. A smoker is considered more susceptible to developing fatal diseases that make them a higher risk to life insurance carriers.
4. Permanent Life Insurance also has a cash value component, which can be used while the insured is still alive: to borrow against, for emergency expenses, or as a tax-free retirement income.

Glades County - Funeral Expenses Statistics and Analysis

A traditional funeral in Florida can cost between $4,000 and $10,000, while the average across the state is around $5,900, which includes basic service fees, casket, embalming, transportation, viewing, and burial.
Among Glades County’s neighbors, Lee County has the most expensive funerals at around $6,700, followed by Palm Beach County with an average funeral cost of $6,300. The most affordable funerals are observed in DeSoto County at about $4,600. In fact, DeSoto County, along with Putnam County has the lowest average costs in the entire state of Florida. Collier County has the most expensive funeral average statewide at $9,600.

Life Insurance Analysis

1. With 46% of Americans passing away with savings of less than $10,000, the family and friends of some Glades County senior residents may have to figure out how to pay for the funeral instead of mourning their loss. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
2. On top of the funeral cost, the deceased often leave outstanding loans and taxes for the family to deal with, which makes the family’s financial hurdles more difficult.
3. In most cases, Term Life Insurance and Final Expense Insurance (also known as Burial insurance) can help cover “final expenses” of up to $50,000. Speak with an agent about senior life insurance options.
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, several types of Universal Life insurance, and Final Expense life insurance (FE).
   To get advice regarding life insurance and to get life insurance quotes in Glades County, reach out to a knowledgeable and Florida-licensed life insurance agent who has access to multiple insurers and plan types for comparison on a case-by-case basis.

Glades County - Business

Commercial insurance needs vary between each of the estimated 200 business establishments in Glades County. The three largest job-creating sectors, accounting for approximately 71% of all employment in 2020 were:

• Government (27.2%)
• Manufacturing (15.5%)
• Financial Activities (10.0%)

Commercial Insurance Analysis

1. Manufacturing businesses usually require insurance coverage for:

• Employees’ health and welfare
• Production facilities, tools, supplies, and other property
• Product liability coverage to protect the company itself if their product hurts the consumer, etc.

1. Professional services and consulting businesses in the county can benefit from professional liability insurance, also known as Errors and Omissions insurance (E&O insurance), that protects the business and their clients in case the professional advice they give causes damages or monetary losses.
   To assess your business insurance needs in Glades County and to get a commercial quote, speak with a knowledgeable Florida-licensed commercial insurance agent with access to multiple insurers and premium financing options.