Jackson County

Jackson County Driving Statistics and Analysis

Jackson County highways are home to around 36,187 personal and business-type vehicles. This figure amounts to approximately 0.2% of all cars registered in the entire state of Florida.

Over 87% of adult drivers in Jackson County commute to work by themselves, and almost 2 out of 5 of those commutes last for over 30 minutes.

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

Approximately every sixth crash in Jackson County is a hit and run.

Motor Vehicle Crashes in Jackson County

In Jackson County, traffic-related deaths statistically occur at a rate of 29.92 per 100,000 cars on the road: roughly 11 fatal crashes yearly.

In 2021, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) reported over 964 crashes in Jackson County: 16 fatal crashes, with a resultant 18 deaths (including 1 motorcyclist and 5 pedestrians). Alcohol is determined as the main factor for the fatal crashes in Jackson County in an estimated 12% of all driving fatalities.

Auto Insurance Analysis

1. Over 36 thousand vehicles registered in Jackson 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, Commercial or Farm Auto, Comprehensive Coverage, Commercial or Farm Transportation, Inland Marine, Gap, Ride-sharing, Short-term car insurance, and so on.
2. With nearly every sixth crash as a hit-and-run and with 1 out of 5 drivers uninsured, Uninsured Driver Coverage remains important for Jackson County residents.
3. The majority of Jackson 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 86% increase in the black bear population in the East Panhandle region of 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.

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

Jackson County Housing Statistics and Analysis

Jackson County's roughly 21,200 housing units are split up between homeowners (70%) and renters (30%). This owner-occupied rate is higher than the Florida State average of 65%.
Other counties in the region also largely consist of homes inhabited by owners: Holmes County with more than 76% of its residential real estate occupied by owners, Washington County at 78%, and Calhoun County having the highest Homeowner-occupied rate at 81%. The lowest is recorded in Bay County at 65% owner-occupied / 35% 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%).
Around 13% of dwelling units in Jackson County have housing issues such as overcrowding, poor plumbing, and kitchen troubles. In about 1 in 4 homes, residents spend more than half of their income on housing expenses.

Housing Insurance Analysis

1. Over 20 thousand housing units in Jackson 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 6,000 housing units in Jackson 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 Marianna: 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 Jackson 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 Jackson 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,
• researches the locally available plans that fit your needs and is usually able to find a 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)

Jackson County Health Statistics and Analysis

In Jackson County, about 17% of adult residents lack proper health insurance coverage, which is lower than the Florida average (≈19%). Neighboring counties’ uninsured rates from lowest to highest: Liberty County (over 16%), Calhoun County is tied with Bay County at (18%), Washington County and Gadsden County are also tied at (19%), and Holmes County as the highest in the region at 21%. The highest uninsured adult rate in the state of Florida is in Hendry County, with 35% of residents uninsured, while the lowest rate is observed in St. Johns County at under 13% of the adult residents.
Close to 1 in 4 adults (≈11,291) in Jackson County report problems with health.
Over 37% of the Jackson County population do not participate in physical exercise activities.
The lack of physical activities is partially the reason why about 37% of the Jackson 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, Bay County reports the lowest – at 30% of the residents, while almost 44% of adults from Gadsden County may be considered obese.
As of 2022, there were 14 health insurers in Jackson County, offering affordable and frequently subsidized ACA health insurance on the Florida health marketplace.

Health Insurance Analysis

1. Health insurance is the most important insurance coverage, and nearly 7 thousand residents of Jackson County lack 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 Jackson 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 Jackson 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.

Jackson County End of Life Statistics and Analysis

Average life expectancy for the residents of Jackson County is between 74 and 75 years old, which is lower than the state average in Florida (80). Among the neighboring counties, Washington county is recorded to have the shortest lifespan in the region at 72.5 years old, while Gadsden County shows longer life spans at over 76.6 years old. The shortest life span in Florida is seen in Union County, at under 69 years old, and Collier County’s 86-year-old average is the longest.
In 2022 there were approximately 9,355 seniors (65 and older) residing in Jackson County.

Life Insurance Facts

1. In 2022, 47% of Americans did not have an active life insurance policy of any type.
2. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. That is why young adults are generally advised to take out a policy while they are still young and healthy to save money in premiums over the course of the policy.
3. Over 26% of the adults in Jackson County smoke, and this habit will likely affect the life insurance costs of about 9,600 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.

Jackson County Final Expenses Statistics and Analysis

The average price of a funeral in Jackson County is around $5,200, which is less than the Florida state average (of $5,900), and the least expensive among its bordering counties. Gadsden County, Washington County, and Holmes County are all tied for the highest average funeral cost in the region, at $5,300.
Across Florida, funerals in Collier County cost the highest, averaging over $9,000, while those in Putnam County and DeSoto County are the least expensive, at around $4,600.

Life Insurance Analysis

1. With 46% of Americans dying with savings of less than $10,000. Families and friends of a deceased Jackson 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 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.
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 Jackson County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison.

Jackson County - Business

Commercial insurance needs vary between each of the nearly 1,023 business establishments in Jackson County. The three largest job-creating sectors, accounting for nearly 68% of all employment in the county in 2021 were:

• Government (33.1%)
• Trade, Transportation and Utilities (24%)
• Education and Health Services (10.8%)

Commercial Insurance Analysis

1. 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.
2. Health providers usually get medical malpractice coverage according to the amount of damage their work can cause to the patients.
   To assess your business insurance needs in Jackson 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.