Paulding County

Paulding County - Health Statistics and Analysis

In Paulding County, roughly 17% of the adult population lack proper health insurance coverage. This percentage is lower than the Georgia state average of 19% and is the lowest among its adjacent counties (tied with Cobb County). The highest uninsured adult rate among Paulding County’s neighbors is in Bartow County and Polk County.

Statewide, the highest uninsured adult rate is in Colquitt County, with more or less 30%. In contrast, the lowest rate is recorded in Oconee County, at around 11% of the adult residents.

Approximately 19% of Paulding County residents report problems with health. In addition, around 29% of its population do not participate in physical exercise activities, contributing to 34% of the residents being considered obese (with a BMI of 30 or more), which is higher than Georgia's obesity rate average of 33%. Comparing the counties in the immediate area, Polk County has the highest obesity rate, at 35%, while the lowest is in Cobb County, at around 31%.

In 2022, 23,991 Paulding County residents were enrolled in Medicare, with the following utilization:

At least 11 health insurance companies offer affordable and frequently subsidized ACA health insurance in Paulding County, on and off the federally-operated Georgia health insurance marketplace. In 2022, nearly 12,000 Paulding County residents were enrolled in private individual-market ACA plans.

Paulding County - Driving Statistics and Analysis

The Paulding County roadways are home to an estimated 143,292 locally registered personal and commercial vehicles. This number constitutes roughly 1.6% of all vehicles registered in the entire state of Georgia.
Around 82% of Paulding County’s adult drivers commute to their place of employment by themselves, and nearly64% of those travels last for more than 30 minutes.

Motor Vehicle Crashes in Paulding County

Traffic-related fatalities in Paulding County statistically occur at a rate of 14 per 100,000 cars on the road, resulting in roughly 19 fatal crashes each year.
According to the Georgia Department of Transportation (GDOT), in 2021, there were 4,147 crashes in Paulding County that led to 1,815 injuries and 25 fatalities. On the other hand, 58 motorcycle crashes were recorded that same year which led to 59 injuries and 0 fatalities.
About 15% of deaths in Paulding County are caused by people driving while drunk.

Paulding County - Housing Statistics and Analysis

Paulding County’s estimated 64,657 dwelling units are mostly made up of homeowners (78%) versus renters (22%). Paulding County’s owner-occupied rate is the highest among its adjacent counties, with Douglas County and Polk County having the lowest rate. The average homeownership rate in the state of Georgia is around 65%.
In the state of Georgia, Harris County has the highest rate of homes inhabited by the owner, with over 89%, while Chattahoochee County is the state leader of rental properties, with nearly 76% of dwelling units for rent.
Around 13% of housing units in Paulding County experience housing problems, overcrowding, inadequate plumbing, or kitchen concerns. In 1 out of 10 homes, residents spend more than half of their income on housing expenses.

Paulding County - End of Life Statistics and Analysis

In Paulding County, the average lifespan of residents is around 78.5 years, which is higher than the Georgia state average of 77 years. Among its adjacent counties, Cobb County has the longest average life expectancy, while the shortest in the region is in Haralson County.
Across Georgia, the longest average lifespan is in Forsyth County, with 82.3 years, while the shortest average is seen in Miller County, at closer to 69.5 years old.
In 2022, there were approximately 20,000 seniors (65 and older) residing in Paulding County.

Life Insurance Facts

1. In 2022, 47% of Americans did not have an active life insurance policy of any type.
2. The cost of life insurance premiums is partly based on the insured's age when the policy begins. Therefore, if you acquire it at a younger age, the more you'll save in premiums throughout the policy.
3. Around 18% of the adults in Paulding County smoke, and this practice will likely affect the life insurance costs of nearly 24 thousand adults who may have to pay up to 4 times more for coverage, as 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. Besides 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.

Paulding County - Funeral Expenses Statistics and Analysis

The average funeral price in Paulding County is around $6,900, which is higher than the $5,900 Georgia state average. Among Paulding County’s neighbors, Cobb County posts the highest average funeral, with around $8,300, while the least expensive in the region is observed in Polk County, with $4,800.
In the entire state of Georgia, the most expensive funeral cost is in Jones County, averaging around$11,700, while Jefferson County, with $4,000, tends to be the most cost-effective in the state.

Paulding County - Business

Commercial insurance needs differ between each of the over 2 thousand business establishments in Paulding County. The largest job-creating sectors are:

• Retail Trade
• Health Care & Social Assistance
• Construction

Commercial Insurance Analysis

1. Every business in Paulding County needs some type of insurance based on what it does and the number of people it employs. The coverage mostly falls into: Commercial Property (real estate, vehicles, equipment, inventory, etc), Business Liability, and Employee Protection and Benefits, such as:
   • Health insurance,
   • Life insurance,
   • Disability insurance,
   • Workers’ Compensation insurance, and
   • Unemployment insurance.
2. 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.
3. Health care professionals can benefit from Medical malpractice coverage, which protects both the patients and the insured medical professionals.
4. In order to receive a general contractor's license in Georgia, a contractor must carry general liability insurance for no less than $300,000 and provide proof of workers’ compensation coverage.
   To assess your business insurance needs in Paulding County and to get a commercial insurance quote, speak with a knowledgeable Georgia-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.

Paulding County - Insurance Help

By speaking with an insurance agent licensed to help Paulding County’s residents and businesses, expect the agent to do the following for you:

• analyze your needs and restrictions,
• review your current policy to make sure that the coverages are reflective of the current needs and the local insurance market. If updates are needed, the agent help to enact them,
• research the locally available plans that fit your needs and is usually able to find a better deal than what a consumer can find on their own,
• check for available savings and bundling discounts,
• provide you with the available options of coverage,
• explain how the differences between the options affect you once you start using each insurance product,
• assist you with the application process and getting quotes,
• answer all of your questions about coverages and costs - as it pertains to your specific situations
• conduct annual review of your policies, to make sure that the existing coverages meet your current insurance needs.