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

Hendry County

Hendry County Driving Statistics and Analysis

The roads of Hendry County are home to an estimated 35,878 personal and commercial vehicles, which constitute roughly 0.2% of all automobiles registered in Florida State.

Over 63% of adult drivers in Hendry County drive to work unaccompanied, and over 1 in 3 of those commutes last for over half an hour for each trip to and from the workplace.

With an estimated 20% of Florida drivers uninsured, about 7,200 vehicles in Hendry County alone could be uninsured or underinsured.

About every seventh crash in Hendry County is a hit and run.

Motor Vehicle Crashes in Hendry County

Traffic-related fatalities in Hendry County happen at a rate of 29.10 per 100,000 cars on the road, which results in around 10 fatal crashes yearly.

In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported over 520 crashes in Hendry County: 19 fatal crashes, with a resultant 23 deaths (including 1 motorcyclist). Alcohol is determined as the main factor for the fatal crashes in Hendry County in an estimated 30% of all driving fatalities.

Auto Insurance Analysis

  1. Over 30 thousand vehicles registered in Hendry County need insurance coverage. 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. Depending on the type of vehicle and its use, the additional required insurance may be: Private Auto, Non-owners car insurance, Comprehensive Coverage, Commercial Transportation, Inland Marine, Gap, Temporary car insurance, and so on.
  2. With nearly every seventh crash as a hit-and-run and with 1 out of 5 drivers uninsured, Uninsured Driver Coverage remains important for Hendry County residents.

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

Hendry County Housing Statistics and Analysis

Hendry County’s estimated 15,516 housing units are mostly made up of owner-occupied homes (65%). This rate is at par with the homeownership rate in Florida State.
Other counties in the region also largely consist of homes inhabited by owners: Charlotte County is tied with Glades County for having the highest Homeowner-occupied rate in the region, at over 80%. Palm Beach County is at 69%, while Broward County is split 62% owner-occupied / 38% for rent.
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 (49%).
Over 21% of housing units in Hendry County report housing problems, such as overcrowding, inadequate plumbing, or issues with the kitchen. In 1 out of 4 homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis

  1. Over 15 Thousand housing units in Hendry County need insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from possible loss or damage.
  2. With over 5,000 housing units in Hendry County as rentals, landlords obtain Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants and their guests.
  3. Renters insurance Clewiston: Tenants buy 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 Hendry County 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 Hendry 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,
  • researches the locally available plans that fit your needs,
  • reviews your current policy, to make sure that the coverages are reflective of the current needs and housing market- helps to update, if needed,
  • researches the locally available plans that fit your needs and is usually able to find better deal than a consumer can find on their own,
  • checks for available savings and bundling discounts,
  • 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)

Hendry County Health Statistics and Analysis

Nearly 35% of Hendry County’s adult residents do not have proper health insurance coverage. This rate is observed to be the highest in its region and across Florida. Looking at its immediate neighbors, Okeechobee County has the second-highest uninsured rate in the region, while Martin County and Charlotte County are tied for the lowest rate, at 18% — closer to the Florida State average of 19%.
With Hendry County having the highest uninsured adult rate statewide, the lowest rate, on the other hand, is observed in St. Johns County at under 13% of the adult residents.
Almost 1 in 3 adults (≈14,090) in Hendry County report problems with health.
Nearly 35% of the Hendry County population do not participate in physical exercise activities.
About 35% of Hendry County residents are considered obese (with a BMI of 30 or more), which is higher than the Florida average of over 27%. Among the neighboring counties, Martin County reports the lowest obesity rate – at over 20% of the residents, while approximately 39% of adults from Glades County may be considered obese.
As of 2022, there were 14 health insurers in Hendry County, offering affordable and frequently subsidized ACA health insurance on the Florida health marketplace.

Health Insurance Analysis

  1. Health insurance is the most crucial coverage, and nearly 12 thousand Hendry County residents don’t have this necessity.
  2. Florida is among the states that allow the sale of multiple types of health insurance and supplemental products. This makes it easier for Hendry County residents to obtain coverage that fits their specific needs (both medically and financially): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
  3. Low-income health insurance: If health insurance is not being purchased due to unaffordability, low-income consumers are generally 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 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 Hendry County residents. Offerings of health insurance coverage and its pricing 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.

Hendry County End of Life Statistics and Analysis

In Hendry County, the average lifespan of residents is around 78.5 years. Looking at the bordering counties, Okeechobee County reports the shortest average life expectancy, at 76.4 years, while Collier County posts the longest average lifespan, both in the region and across Florida, at over 86 years.
With Collier County having the longest average life expectancy across Florida, the shortest, on the other hand, is seen in Union County, at under 69 years.
In 2022 there were approximately 5,971 seniors (65 and older) residing in Hendry County.

Life Insurance Facts

  1. In 2022, 47% of Americans did not have an active life insurance policy of any type.
  2. When the policy begins, the age of the insured is among the criteria that affect the rates of life insurance premiums. Hence, if you obtain it at a younger age, the more you'll save in premiums over the duration of the policy.
  3. Nearly 24% of the adults in Hendry County smoke, and this habit will likely affect the life insurance costs of about 7,600 adults by up to 4 times compared to non-smokers. A smoker’s life expectancy is deemed shorter, making them more of a risk than people who do not smoke.
  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.

Hendry County Final Expenses Statistics and Analysis

Funeral expenses in and around Hendry County vary drastically. The average price of a funeral in Hendry County is around $6,200, which is higher than the Florida State average (of $5,900). Among the neighbors of Hendry County, Charlotte County posts the lowest funeral average, at $5,500, while Collier County has the highest average funeral cost of almost $9,600, which is also the highest across Florida.
Statewide, Putnam County and DeSoto County have the lowest figures, both closer to $4,600.

Life Insurance Analysis

  1. With 46% of Americans dying with savings of less than $10,000. Families and friends of a deceased Hendry County resident may have to shoulder the funeral expenses. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using senior life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
  2. Besides the burial costs, the deceased frequently leave taxes and other debt behind for the family to take care of. Discuss your senior life insurance options with licensed Florida professionals.
  3. The most frequently 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 policies to leave money to the family are the variations of: Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense (FE).
    To find out more about life insurance options and to get life insurance quotes in Hendry County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison.

Hendry County - Business

Commercial insurance needs vary between each of the nearly 1 thousand business establishments in Hendry County. The three largest job-creating sectors, accounting for around 61% of all employment in the county in 2021 were:

  • Natural Resource & Mining (27.2%)
  • Government (17.5%)
  • Trade, Transportation and Utilities (16.3%)

Commercial Insurance Analysis

Retail businesses typically insure all business-owned or leased property and the employees. Besides that, every customer-facing operation typically requires liability insurance, in case the visitor gets hurt on the premises or by using the product. If the business stores and transports goods, it needs inventory insurance and inland marine coverage.

To assess your business insurance needs in Hendry County and to get a commercial insurance quote, speak with a knowledgeable Florida-licensed commercial insurance agent with access to multiple insurers and premium finance options. Always try to compare at least 2 or 3 options before deciding on the coverage.