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Richmond County

Richmond County - Health Statistics and Analysis

COUNTY Uninsured Adults
Richmond County 18%
Burke County 19%
Columbia County 15%
McDuffie County 20%
Jefferson County 23%

Around 18% of adults in Richmond County under 65 years old do not have adequate health insurance — a percentage point lower than the Georgia state average of 19%. Among Richmond County’s adjacent neighbors, Columbia County has the lowest figure, while the highest percentage of uninsured adults is observed in Jefferson County.
Throughout the state of Georgia, Colquitt County and Oconee County are the counties considered with the highest and the lowest uninsured adult rates, respectively – 30% vs. 11%.
Over 25% of adults in Richmond County report problems with health. This is partially due to the fact that more than 36% of the Richmond County population do not participate in physical exercise activities. Approximately 39% of the Richmond County adult residents are considered obese (with a BMI of 30 or more), which is higher than Georgia's 33% average. Columbia County’s 31% obesity rate is the lowest among its neighbors.
In 2022, 38,309 Richmond County residents were enrolled in Medicare, with the following utilization:

Richmond COUNTY - MEDICARE Usage
Original Medicare 47%
Medicare Advantage 53%
Original Medicare Part A and Part B 38%
Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries 53%
Medicare Part D (Medigap) 42%
Medicare Advantage Prescription Drug Plan 93%

At least 11 health insurance companies offer affordable and frequently subsidized ACA health insurance in Richmond County, on and off the federally-operated Georgia health insurance marketplace. In 2022, over 13 thousand Richmond County residents were enrolled in private individual-market ACA plans.

Richmond County - Driving Statistics and Analysis

An estimated 162,491 private and commercial vehicles were registered by the residents of Richmond County in 2022. This figure represents approximately 1.87% of all vehicles registered in the entire state of Georgia.
Around 78% of Richmond County’s adult drivers commute to work by themselves. Due to heavy traffic, 24% of those commutes last for over 30 minutes.

Motor Vehicle Crashes in Richmond County

Motor vehicle fatalities in Richmond County statistically occur at a rate of 16 per 100,000 vehicles on the road: approximately 25 fatal crashes per year.
According to the Georgia Department of Transportation (GDOT), in 2021, there were 9,691 crashes in Richmond County that led to 3,239 injuries and 46 fatalities. On the other hand, 115 motorcycle crashes were recorded that same year which led to 84 injuries and 3 fatalities.
Alcohol-impaired driving, specifically, contributes to more than 16% of fatalities in Richmond County.

Richmond County - Housing Statistics and Analysis

COUNTY Homeowners Renters
Richmond County 52% 48%
Burke County 73% 27%
Columbia County 80% 20%
McDuffie County 68% 32%
Jefferson County 64% 36%

In 2022, Richmond County had a projected 90,243 homes and they were almost evenly distributed between homeowners (52%) and renters (48%). This deviates from Georgia’s state market trend where the majority of the residential market is occupied by its homeowners (65%). All of Richmond County’s neighbors have the majority of their dwelling units occupied by their owners with Columbia County leading at 80%.
Across Georgia, Harris County holds the title of having the highest homeownership rate with over 89% of its dwellings occupied by its owners. Chattahoochee County, on the other hand, is the state leader in rental properties having nearly 76% of its real estate available for rent.
Approximately 20% of housing units in Richmond County experience housing problems, overcrowding, poor plumbing, or issues with the kitchen. In nearly 1 out of 5 homes, residents spend more than 50% of their income on housing.

Richmond County - End of Life Statistics and Analysis

COUNTY Average Life Expectancy
Richmond County 73.2
Burke County 73.0
Columbia County 80.1
McDuffie County 73.1
Jefferson County 71.9

On average, Richmond County residents have an average life expectancy of 73.2 years old, which is around 4 years lower than the 77-year Georgia state average. Looking at the adjacent counties, Columbia County records the longest life expectancies while Jefferson County posts the shortest average.
In Georgia, Forsyth County residents tend to live the longest with an 82.3 average life expectancy. Meanwhile, the shortest average life expectancy of 69.5 years old is observed in Miller County.
In 2022, there were over 30 thousand seniors (65 and older) residing in Richmond 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. The younger you are when you lock in your best rate, the more you save in premiums over the course of the policy.
  3. Nearly 22% of the adults in Richmond County smoke, and this habit will likely affect the life insurance costs of more than 34 thousand adults who may have to pay up to 4 times more 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.

Richmond County - Funeral Expenses Statistics and Analysis

Funeral expense costs in and around Richmond County differ drastically. The average funeral price in Richmond County is around $7,100, which is higher than the Georgia state average ($5,900). Comparing the counties in the immediate area, Columbia County has the highest funeral cost average of $8,600, even higher than the state average. On the other end of the spectrum is Jefferson County, at $4,100 — with the most affordable funerals in the region.
In the entire state of Georgia, Jones County tends to have the most expensive funerals averaging more or less $11,700, while Jefferson County’s average is the most affordable in the state.

Richmond County - Business

Commercial insurance needs vary between each of the estimated 4.3 thousand business establishments in Richmond County. The largest job-creating sectors are:

  • Health Care & Social Assistance
  • Retail Trade
  • Accommodation & Food Services

Richmond County - Insurance Help

By speaking with an insurance agent licensed to help Richmond 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.