Northampton County

Northampton County - Driving Statistics and Analysis

Northampton County's roads are home to approximately 264,286 personal and commercial vehicles. This represents around 2.4% of all registered vehicles in the Commonwealth of Pennsylvania.

Roughly 8 out of 10 daily commuters in Northampton County drive to work individually, and about 37% of these trips take more than half an hour due to excessive traffic.

Motor Vehicle Crashes in Northampton County

In Northampton County, traffic-related fatalities occur at a rate of 8 per 100,000 vehicles on the road; around 21 fatal collisions annually.

According to the Pennsylvania Department of Transportation (PennDOT), there were 2,859 crashes in Northampton County in 2021; 13 of them were fatal. Driving under the influence of alcohol accounts for a quarter of traffic-related fatalities in Northampton County.

Auto Insurance Analysis

1. More than 260 thousand registered cars in Northampton County need insurance coverage. Property Damage and Bodily Injury Liability coverages are required by Pennsylvania law for all motor vehicles. Depending on the type of vehicle and its use (commercial or private), the additional required insurance may be Non-owners car insurance, Commercial Auto, Private Auto, Comprehensive Coverage, Commercial Transportation, Inland Marine, Gap, Ride-sharing, Temporary car insurance, etc.

2. Although Pennsylvania is a “no-fault” state where each insured's own coverage pays for bodily injury, the "choice no-fault" provision allows drivers to opt-out of "no-fault" coverage. In addition, Pennsylvania's modified comparative negligence law dictates that the amount of damage an insurer must pay is equivalent to the degree of fault of each party in an accident.

3. The number of automobiles on Northampton County highways increases annually. While the percentage of uninsured drivers in Pennsylvania remains around 7%, The vast number of automobiles on congested roads highlights the need for Uninsured Motorist coverage. You never know how much insurance coverage the vehicle in front of you has, until you’ve had an accident with them.

To evaluate your auto insurance requirements and to find affordable car insurance in Northampton County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Pennsylvania.

Northampton County - Housing Statistics and Analysis

Approximately 71% of the 125,308 residential units in Northampton County are inhabited by the owners, while the remaining 29% are rentals. Northampton County’s owner-occupied rate is close to the statewide average of 69%. Looking at Northampton County's neighbors, Bucks County has the most owner-occupied dwellings, while Lehigh County has the highest proportion of renters in the region.

Across Pennsylvania, the highest owner-occupied rate is in Pike County, where about 16% of dwellings are rented, while Philadelphia County is the Commonwealth’s leader with the highest percentage of its housing units for rent (47%).

1 in 7 housing units in Northampton County are troubled by housing problems such as poor plumbing, overcrowding, or kitchen issues. In 12% of homes, residents allocate more than half of their income to housing alone.

Housing Insurance Analysis

1. Over 125 thousand housing units in Northampton County need insurance coverage. All owners of these properties should have at least Homeowners, Condo insurance, and/or Business property insurance (for multi-housing units) to protect the underlying financial investment from potential damage or loss.

2. With over 36 thousand dwelling units in Northampton County as rentals, Landlord Insurance is purchased by landlords to protect the property itself from possible liability claims arising from the tenants and their guests.

3. Renters Insurance Bethlehem: Tenants purchase Renters Insurance to safeguard their belongings against probable loss or damage while staying in a leased space. Average renters' insurance is inexpensive and usually protects a tenant's properties against theft and damages from fire, smoke, water, and vandalism. In Northampton County, landlords may mandate renters insurance as part of the lease agreement.

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

A Pennsylvania 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.

Northampton County - Health Statistics and Analysis

In Northampton County, around 7% of adults under the age of 65 lack health insurance, which is lower than the Pennsylvania average (8%). Compared to its peer counties, Lehigh County and Monroe County have the highest rate of uninsured adults, while Bucks County has the lowest rate in the region.

The highest uninsured adult rate in the Commonwealth of Pennsylvania is in Juniata County, with nearly 12%, while the lowest rate is observed in Butler County, at around 5% of the adult residents.

Approximately 17% of Northampton County's residents report health concerns, 18% of the population are smokers, and 5% of the population has limited access to healthy foods.

1 in 4 adult residents do not participate in physical exercise activities, contributing to 33% of residents being considered obese (with a BMI of 30 or more). Among Northampton County’s neighbors, Lehigh County has the highest obesity rate at 37%, while the lowest in the region is observed in Bucks County, with about 31%.

In 2022, 71,393 residents of Northampton County were enrolled in Medicare, with the following utilization:

In 2022, there were 13 health insurers in Northampton County, offering affordable and frequently subsidized ACA health insurance on the Pennie, Pennsylvania’s Health Insurance Exchange.

Health Insurance Analysis

1. Health Insurance is the most crucial insurance coverage, and over 19 thousand residents of Northampton County do not have this necessity.

2. Pennsylvania is one of the states that allow the sale of multiple types of health insurance and supplemental health insurance. This means Northampton County residents can easily obtain the coverage that fits their 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 Insurance, Accident & Health insurance, etc.

3. Low-income health insurance: Low-income residents of Northampton County who are unable to obtain health insurance due to unaffordability are generally advised to apply for government-funded health insurance subsidies, which can lower the cost of health insurance.

4. Short - term health insurance may provide an alternative saving path if you do not have pre-existing conditions. (* Some Pennsylvania multi-year short-term health insurance plans may cover certain pre-existing conditions after a year or more of coverage).

Talk about your health insurance needs with a knowledgeable, state-licensed health insurance professional in Pennsylvania who has access to a variety of health insurance plans available to residents of Northampton County. The availability and cost of health insurance coverage may vary between zip codes.

A Pennsylvania health insurance agent: analyzes your health 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 researches the available discounts and bundling options, assists you with the application process, and at any time you need to make a change to the policy or shop for replacement coverage.

Northampton County - End of Life Statistics and Analysis

The average lifespan in Northampton County is around 79.7 years, which is longer than the average of the Commonwealth of Pennsylvania (78 years), and the longest among its immediate neighbors. Meanwhile, Carbon County has the shortest life expectancy in the region, followed by Monroe County.

Statewide, the longest average life expectancy is observed in Centre County, at over 82 years, while the shortest average is reported in Fayette County, at under 75 years old.

In 2022, roughly 61,244 seniors (65 and older) were residing in Northampton 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 depend on how old a person is when the policy starts, among other criteria. So, buying it at a younger age will save you more on premiums over the course of the policy.

3. About 18% of adults in Northampton County smoke. This habit will almost certainly make life insurance up to four times more expensive for more than 44 thousand residents compared to non-smokers. Studies show that a smoker's life is deemed shorter, making them more of a risk than non-smokers.

4. Aside from the death benefit, Cash Value life insurance can be used for Living Benefits by the insured while they are still alive, to borrow against it, or even used as a source of tax-free retirement income.

Northampton County - Funeral Expenses Statistics and Analysis

In Northampton County, the average funeral cost is around $7,700, which is higher than the Commonwealth of Pennsylvania’s average of $6,700. This cost typically covers basic service fees, the coffin, the embalming process, transportation, viewing, and burial. Among Northampton County’s neighbors, the lowest average funeral cost is in Carbon County, with $5,000, while Bucks County has the highest average funeral expense in the region and across Pennsylvania, at $7,300.

With Bucks County having the highest cost statewide, the most cost-effective funeral in the Commonwealth of Pennsylvania is seen in Clinton County, at under $4,700.

Life Insurance Analysis

1. Around 46% of Americans die with less than $10,000 in savings. This means that over 28 thousand senior residents of Northampton County could be placing their families and loved ones in a difficult financial situation. Furthermore, aside from planning and organizing the funeral while grieving, the family is usually responsible for the funeral costs.

2. Aside from the burial cost, the deceased may sometimes leave taxes and other debts for the family to take care of. Discuss your senior life insurance options with a licensed Pennsylvania life insurance professional.

3. Indexed Universal Life (IUL) is the most preferred life insurance policy to use for its living benefits and retirement financing.

4. The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense (also known as Burial insurance).

5. The most frequently 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, Final Expense (FE), and multiple Universal Life insurance policies.

To learn more about life insurance alternatives and to get life insurance quotes in Northampton County, consult with a knowledgeable state-licensed, experienced, and qualified life insurance professional who has access to several insurers and plan types for comparison.

Northampton County - Business

Commercial insurance differs between each of the nearly 7 thousand business establishments in Northampton County. The three largest job-creating sectors, accounting for over 41% of all employment in the county in 2022 were:

• Transportation and Warehousing - 15.4%

• Manufacturing - 13.5%

• Health Care and Social Assistance - 12.1%

Commercial Insurance Analysis

1. Every business in Northampton County needs insurance based on what it does and the number of people it employs. The coverage mostly falls into:

   • Commercial Property,

   • Business Liability, and

   • Employee Protection and Benefits.

2. Manufacturing enterprises need insurance to protect their production facilities and employees, as well as product liability coverage to protect the company if their product causes injury to a third party.

3. Health care professionals in Northampton County can benefit from Medical malpractice coverage, which protects both the patients and the insured medical professionals.

To assess your business insurance needs in Northampton County and to get a commercial insurance quote, speak with a knowledgeable Pennsylvania-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.