Median Income
$42,917
43% lower than US avg
Home Value
$252,400
10% lower than US avg
Bachelor's+
12.8%
62% lower than US avg
Obesity Rate
37.8%
18% higher than US avg
Unemployment
5.4%
50% higher than US avg
Poverty Rate
22.4%
81% higher than US avg
How Banks Lake South Compares to the U.S. Average (100% = U.S. avg)
People
Population216
Median Age48.6 yrs
Density89/mi²
Male / Female37% / 63%
Largest GroupWhite 72%
Veterans6.0%
Economy
C+
Median Income$42,917
Per Capita$20,885
Unemployment5.4%
Poverty22.4%
County GDP$2,850M
Commute26 min
Housing
B
Home Value$252,400
Ownership82.8%
Zillow$298,868
Housing Units90
Rent Burden25.0%
Health
Obesity37.8%
Uninsured1.9%
Smoking14.1%
Depression27.7%
Heart Disease5.9%
Climate
Avg Temp49°F (9°C)
Rain10.9 in/yr
Elevation1,634 ft (498 m)
Education
C
Bachelor's+12.8%
High School+96.0%
Graduate+0.0%
School Score5.20
Community
2024 VoteR 62% / D 35%
Commute26 min
Broadband100.0%
EV Stations2
Libraries3
Is Banks Lake South a Good Place to Live?
Based on current data, Banks Lake South receives an overall livability score of 2.6 out of 5.0, earning a grade of C+. Key strengths include high health insurance coverage, strong internet connectivity. Areas to be aware of include above-average unemployment, an elevated poverty rate, below-average incomes. Banks Lake South has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Banks Lake South is $42,917, 43% below the national average of $75,149. The unemployment rate of 5.4% is somewhat elevated compared to the national rate of 3.6%. The poverty rate of 22.4% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 26 minutes.
Cost of Living & Housing
The median home value in Banks Lake South is $252,400, 10% below the national median / offering relatively affordable homeownership. The price-to-income ratio of 5.9x means housing costs are stretched relative to local earnings.
Education
12.8% of residents hold a bachelor's degree, below the national average of 33.7%. 96.0% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Banks Lake South experiences four distinct seasons with an average temperature of 49°F. Winters average 28°F in January while summers reach 72°F in July. Annual precipitation totals 10.9 inches, including 27.9 inches of snow.
Banks Lake South has a population of 216 with a density of 89 people per square mile, spread across 1.1 square miles. The median age is 48.6 years, 25% older than the national median of 38.9. The gender split is 63% female and 37% male. The city is predominantly White (72.2%), with 4.2% Hispanic, 5.1% Asian. English is the primary language spoken at home by 98.6% of residents. 6.0% of the population are veterans. 39.8% of residents have a disability (above the 13.0% national average). 98.1% have health insurance coverage.
Population
216
Total Population
2023 Census
48.6yrs
Median Age
25% above US avg
Race & Ethnicity
Banks Lake South vs U.S. Average
Language Spoken at Home
English Only
98.6%
26% above US avg
Spanish
1.6%
88% below US avg
Social Characteristics
Banks Lake South vs U.S. Average
The median household income in Banks Lake South is $42,917, which is 43% below the national average of $75,149. Per capita income is $20,885 (below the $39,052 national figure). The average weekly wage is $989, 31% lower than the U.S. average. The unemployment rate is 5.4% (above the 3.6% US average). 22.4% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 1,148 business establishments, including 65 restaurants. The cost of living index is 107, slightly above the national baseline of 100. Workers commute an average of 26 minutes. 19.5% of workers work from home (above the 15.2% national rate).
Income: Banks Lake South vs U.S.
Income
| Median HH Income | $42,917 |
| 43% below US avg |
| Per Capita Income | $20,885 |
| Avg Weekly Wage | $989 |
| IRS Avg AGI | $72,977 |
| Gini Index | 0.447 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.4% |
| 50% above US avg |
| Poverty Rate | 22.4% |
| 81% above US avg |
| Establishments (County) | 1,148 |
| County GDP | $2,850M |
Business (County)
| Restaurants | 65 |
| Healthcare | 65 |
| Retail | 92 |
| Manufacturing | 24 |
Tax & Cost of Living
| Property Tax (IRS) | $5,588 |
| 60% above US avg |
| Cost of Living | 107.00 (100=avg) |
| Effective Tax Rate | 2.21% |
Commute & Transportation
| Commute Time | 26.4 min |
| Drive Alone | 80.5% |
| Public Transit | 0.0% |
| Work from Home | 19.5% |
The median home value in Banks Lake South is $252,400, 10% below the national median of $281,900. Zillow estimates the typical home value at $298,868, higher than the Census estimate. Fair market rent ranges from $1,180 for a one-bedroom to $1,472 for a two-bedroom apartment. 82.8% of housing units are owner-occupied (above the 65.4% national rate). There are 90 total housing units in the city. The median year a home was built is 1994. The average annual property tax is $5,588 (higher than the $3,500 national average). 25.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 5.9x, above the traditionally affordable threshold of 3-4x.
Home Values
| Census Median | $252,400 |
| 10% below US avg |
| Zillow ZHVI | $298,868 |
Rental Costs
HUD Fair Market Rent
| Studio | $1,082 |
| 1 Bedroom | $1,180 |
| 2 Bedrooms | $1,472 |
| 3 Bedrooms | $2,003 |
| 4 Bedrooms | $2,351 |
Ownership & Property
| Homeownership | 82.8% |
| Owner-Occupied | 82.8% |
| Renter-Occupied | 17.2% |
| Housing Units | 90 |
| Median Year Built | 1994 |
Property Tax
| Avg Tax (IRS) | $5,588 |
| 60% above US avg |
| Effective Rate | 2.21% |
In Banks Lake South, 37.8% of adults are obese, above the national rate of 32.1%. 9.3% have diabetes. Heart disease affects 5.9% of residents. 31.2% have high blood pressure. 14.1% are current smokers. 19.6% report binge drinking. 21.1% are physically inactive, below the national average. 27.7% report depression (above the 20.0% national average). 19.9% experience frequent mental distress. 1.9% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:3,641. The dentist ratio is 1:2,009. 87.3% of residents have access to exercise opportunities. The food environment index is 7.2 out of 10.
Health Metrics: Banks Lake South vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.8% |
| 18% above US avg |
| Diabetes | 9.3% |
| Heart Disease | 5.9% |
| High Blood Pressure | 31.2% |
| Asthma | 11.8% |
| COPD | 6.3% |
| Cancer | 7.4% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 14.1% |
| 1% above US avg |
| Binge Drinking | 19.6% |
| Physical Inactivity | 21.1% |
| Depression | 27.7% |
| Mental Distress | 19.9% |
| Physical Distress | 14.0% |
| Short Sleep | 32.2% |
Healthcare Access
| Insurance Rate | 98.1% |
| Uninsured | 1.9% |
| 78% below US avg |
| Primary Care | 1:3,641 |
| Dentists | 1:2,009 |
| Mental Health | 1:1,493 |
| Checkup Rate | 69.4% |
| Dental Visits | 59.0% |
| Premature Death | 5,504/100K |
Food & Exercise
| Food Environment | 7.2/10 |
| Exercise Access | 87.3% |
| Healthcare Facilities | 65 |
Banks Lake South experiences four distinct seasons with an average annual temperature of 49°F (9°C). Winters average 28°F in January while summers reach 72°F in July. Annual precipitation totals 10.9 inches (drier than the 38-inch national average). The area receives 27.9 inches of snow annually, a moderate snowfall amount. The city sits at an elevation of 1,634 feet.
Temperature
28°F Jan (-3°C)
72°F Jul (22°C)
| Annual Average | 48.8°F |
| 10% below US avg |
| January Average | 28°F (-3°C) |
| July Average | 72°F (22°C) |
Geography
| Elevation | 1,634 ft (498 m) |
| Area | 1.1 sq mi (2.9 km²) |
| Population Density | 89/sq mi |
| Coordinates | 47.6301°N, 119.2744°W |
| Timezone | America/Los_Angeles |
| County | Douglas County County |
| Nearest Airport | Grant County International (MWH)
29 miles away |
Precipitation & Snow
Annual Rainfall
10.9"
71% below US avg
Wettest Month (Dec)
1.57"
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 74.1 / 100 |
| Social Vulnerability | 62.5 / 100 |
| Community Resilience | 19.7 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
| Volcano |
Very Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
247 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.6. Most recent: M2.6 on Jun 6, 2025.
| Jun 24, 1997 |
16 km WNW of Malott, Washington |
M4.6 |
94 km |
| Jun 18, 1994 |
11 km SE of Skykomish, Washington |
M4.3 |
150 km |
| Jun 27, 2013 |
25 km N of Leavenworth, Washington |
M4.3 |
108 km |
| Feb 18, 2015 |
15 km ENE of Cle Elum, Washington |
M4.2 |
119 km |
| Sep 1, 2015 |
15 km N of Nespelem Community, Washington |
M4.2 |
78 km |
| Nov 11, 2001 |
3 km NE of Spokane, Washington |
M4.0 |
141 km |
| Apr 15, 1991 |
4 km SE of Pateros, Washington |
M3.9 |
62 km |
| Jun 25, 2001 |
Washington |
M3.9 |
141 km |
| Mar 29, 2010 |
10 km NE of Cliffdell, Washington |
M3.8 |
145 km |
| Jan 1, 1997 |
14 km NNE of Selah, Washington |
M3.7 |
130 km |
| Jul 4, 1997 |
8 km NNE of Waterville, Washington |
M3.7 |
58 km |
| Sep 4, 2011 |
14 km N of Richland, Washington |
M3.7 |
136 km |
| Jun 24, 1997 |
16 km NW of Malott, Washington |
M3.6 |
94 km |
| Oct 26, 1992 |
12 km N of Naches, Washington |
M3.5 |
140 km |
| Dec 24, 2000 |
8 km NNW of Entiat, Washington |
M3.5 |
75 km |
| Jun 29, 2005 |
0 km SE of Gleed, Washington |
M3.5 |
148 km |
| Oct 15, 2011 |
13 km N of Richland, Washington |
M3.4 |
136 km |
| Jun 25, 2001 |
2 km SSE of Town and Country, Washington |
M3.4 |
140 km |
| Feb 1, 1991 |
14 km NE of Naches, Washington |
M3.4 |
133 km |
| Jun 17, 2004 |
11 km SSE of Washtucna, Washington |
M3.4 |
132 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
29 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 1 injury.
| Date |
Rating |
Distance |
Fatalities |
| Apr 5, 1972 |
EF3 |
58 km |
0 |
| Apr 5, 1972 |
EF2 |
15 km |
0 |
| May 6, 2009 |
EF1 |
86 km |
0 |
| Jul 21, 1997 |
EF1 |
64 km |
0 |
| Jul 21, 1997 |
EF1 |
64 km |
0 |
| May 31, 1997 |
EF1 |
43 km |
0 |
| May 30, 1987 |
EF1 |
69 km |
0 |
| Aug 10, 1985 |
EF1 |
75 km |
0 |
| May 3, 1982 |
EF1 |
91 km |
0 |
| Aug 15, 1978 |
EF1 |
28 km |
0 |
| May 1, 2024 |
EF0 |
86 km |
0 |
| Mar 26, 2024 |
EF0 |
78 km |
0 |
| Jul 10, 2023 |
EF0 |
41 km |
0 |
| May 26, 2023 |
EF0 |
53 km |
0 |
| Jul 22, 2016 |
EF0 |
20 km |
0 |
| May 19, 2010 |
EF0 |
50 km |
0 |
| Jun 6, 2009 |
EF0 |
54 km |
0 |
| Jun 6, 2009 |
EF0 |
54 km |
0 |
| Jun 6, 2009 |
EF0 |
53 km |
0 |
| Jun 6, 2009 |
EF0 |
53 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Tsunami History
9 tsunamis recorded within 500 km.
Highest wave on record: 19.8 m (65 ft).
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1952 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
19.8 m |
- |
134 km |
| 1949 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
19.8 m |
- |
72 km |
| 2024 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
14.3 m |
- |
134 km |
| 1944 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
9.1 m |
- |
134 km |
| 2009 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
9.0 m |
- |
95 km |
| 1953 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
4.8 m |
- |
134 km |
| 2009 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
3.6 m |
- |
89 km |
| 1953 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
- |
- |
134 km |
| 1952 |
COLUMBIA RIVER VALLEY, WA |
Meteorological |
- |
- |
134 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Nearby Volcanoes
1 volcano within 200 km.
Closest: Glacier Peak (147 km).
| Name |
Type |
Elevation |
Last Eruption |
Distance |
| Glacier Peak |
Stratovolcano |
3,213 m (10,541 ft) |
1700 |
147 km |
Source: Smithsonian Institution Global Volcanism Program (GVP). Sorted by distance.
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: CARLTON COMPLEX (276,249 ac, 2014).
| Year |
Name |
Acres |
Distance |
| 2014 |
CARLTON COMPLEX |
276,249 |
86 km |
| 2015 |
NORTH STAR |
218,547 |
91 km |
| 2020 |
PEARL HILL |
217,720 |
36 km |
| 2020 |
COLD SPRINGS |
187,561 |
67 km |
| 2015 |
TUNK BLOCK |
180,111 |
94 km |
| 2020 |
WHITNEY |
127,930 |
53 km |
| 1994 |
TYEE CREEK |
123,618 |
85 km |
| 2012 |
BARKER CANYON COMPLEX |
85,906 |
43 km |
| 2013 |
COLOCKUM TARPS |
79,279 |
82 km |
| 2018 |
GRASS VALLEY |
76,074 |
35 km |
| 2015 |
CARPENTER RD. |
62,488 |
100 km |
| 2015 |
BLACK CANYON |
61,379 |
70 km |
| 2021 |
WHITMORE |
59,925 |
65 km |
| 2019 |
WILLIAMS FLATS |
44,680 |
70 km |
| 2018 |
COUGAR CREEK |
42,681 |
92 km |
| 2002 |
DEER POINT |
41,348 |
80 km |
| 2004 |
POT PEAK-SISI RIDGE COMPLEX |
37,603 |
93 km |
| 2021 |
CHUWEAH CREEK FIRE |
37,393 |
65 km |
| 1988 |
DINKELMAN |
36,246 |
82 km |
| 2001 |
VIRGINIA L |
35,780 |
74 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
28°F (-3°C) |
1.3 in |
Coldest |
| February |
33°F (0°C) |
0.7 in |
|
| March |
40°F (5°C) |
1.0 in |
|
| April |
48°F (9°C) |
0.8 in |
|
| May |
57°F (14°C) |
1.1 in |
|
| June |
63°F (17°C) |
0.9 in |
|
| July |
72°F (22°C) |
0.6 in |
Warmest |
| August |
71°F (22°C) |
0.4 in |
|
| September |
62°F (17°C) |
0.3 in |
Driest |
| October |
49°F (9°C) |
0.9 in |
|
| November |
36°F (2°C) |
1.3 in |
|
| December |
28°F (-2°C) |
1.6 in |
Wettest |
Banks Lake South has a seasonal temperature swing of 44°F / from 28°F in January to 72°F in July. Total annual precipitation is 10.9 inches, with December being the wettest month (1.6") and September the driest (0.3").
Average costs for common services in Banks Lake South. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$268 ($161-$428) |
| Specialist Visit |
$375 ($214-$589) |
| Urgent Care Visit |
$214 ($107-$375) |
| Emergency Room Visit |
$2,354 ($856-$5,350) |
| Dental Cleaning |
$139 ($80-$214) |
| Dental Filling |
$268 ($161-$428) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$48 ($27-$80) |
| Oil Change (Synthetic) |
$80 ($54-$128) |
| Brake Pad Replacement |
$321 ($161-$535) |
| Tire Rotation |
$43 ($21-$80) |
| New Tires (Set of 4) |
$642 ($428-$1,070) |
| Battery Replacement |
$214 ($107-$375) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$107 ($64-$161) |
| Electrician (Per Hour) |
$96 ($54-$150) |
| HVAC Repair |
$428 ($161-$856) |
| HVAC System Install |
$7,490 ($4,280-$12,840) |
| Roof Repair |
$1,070 ($428-$2,140) |
| Roof Replacement |
$9,630 ($5,885-$16,050) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,605 ($535-$3,745) |
| Divorce (Contested) |
$16,050 ($5,350-$32,100) |
| DUI Defense |
$5,350 ($2,140-$10,700) |
| Bankruptcy (Chapter 7) |
$1,605 ($856-$3,210) |
| Will Preparation |
$535 ($214-$1,070) |
| Trust Preparation |
$2,675 ($1,070-$5,350) |
View all 12 services
Personal Care
| Men's Haircut |
$27 ($16-$48) |
| Women's Haircut |
$59 ($32-$107) |
| Hair Coloring (Full) |
$161 ($80-$268) |
| Manicure |
$27 ($16-$48) |
| Pedicure |
$43 ($27-$70) |
| Massage (1 Hour) |
$86 ($54-$139) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.39 ($3.21-$5.89) |
| Dozen Eggs (per dozen) |
$3.75 ($2.68-$5.35) |
| Loaf of Bread |
$4.07 ($2.68-$5.89) |
| Chicken Breast (per lb) |
$4.82 ($3.21-$6.96) |
| Ground Beef (per lb) |
$5.89 ($4.28-$8.03) |
| Rice (per lb) |
$1.07 ($0.64-$1.93) |
View all 20 services
Utilities
| Electricity (Monthly) |
$150 ($86-$268) |
| Natural Gas (Monthly) |
$75 ($32-$161) |
| Water/Sewer (Monthly) |
$75 ($43-$128) |
| Internet (Monthly) |
$75 ($43-$107) |
| Cell Phone Plan (Monthly) |
$70 ($32-$107) |
| Cable TV (Monthly) |
$91 ($54-$161) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$214 ($80-$535) |
| Car Insurance (Annual) |
$2,140 ($1,284-$3,745) |
| Bus Pass (Monthly) |
$75 ($32-$139) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.56-$27) |
| Car Registration (Annual) |
$107 ($32-$268) |
| Driver's License Renewal |
$32 ($16-$80) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,284 ($642-$2,675) |
| Daycare (Toddler, Monthly) |
$1,070 ($535-$2,140) |
| After-School Care (Monthly) |
$428 ($214-$749) |
| Tutoring (Per Hour) |
$54 ($27-$107) |
| SAT/ACT Prep Course |
$1,070 ($428-$2,675) |
| Private School (K-12, Annual) |
$13,375 ($5,350-$32,100) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$64 ($32-$107) |
| Dog Vaccination (Annual) |
$107 ($54-$214) |
| Dog Grooming |
$64 ($32-$107) |
| Pet Boarding (Per Night) |
$43 ($21-$80) |
| Dog Spay/Neuter |
$321 ($161-$535) |
| Cat Spay/Neuter |
$214 ($107-$428) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,026 |
| Toddler | $938 |
| Preschool | $938 |
| Family Childcare (monthly) |
| Infant | $857 |
| Toddler | $749 |
| Preschool | $749 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Banks Lake South
What is the population of Banks Lake South?
Banks Lake South has a population of 216 residents and is located in Washington. The population density is 89 people per square mile, spread across 1.1 square miles. The median age of residents is 48.6 years, which is older than the national median of 38.9 years. The population is 63% female and 37% male.
Is Banks Lake South expensive to live in?
Banks Lake South is slightly more expensive than average, with a cost of living index of 107 compared to the national baseline of 100. The median household income is $42,917, 43% below the national average of $75,149. The median home value is $252,400 (10% below the U.S. median). The home price-to-income ratio is 5.9x, which means housing is a stretch relative to local earnings.
What is the weather like in Banks Lake South?
Banks Lake South has a four-season climate with an average annual temperature of 49°F (9°C). Winter temperatures average 28°F in January, while summers reach an average of 72°F in July. Annual rainfall totals 10.9 inches, with 27.9 inches of snow.
How is the job market in Banks Lake South?
The unemployment rate in Banks Lake South is 5.4%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $989. There are 1,148 business establishments in the area, including 65 restaurants and food service locations. The average commute time is 26 minutes, and 19.5% of workers work from home.
How much does housing cost in Banks Lake South?
The median home value in Banks Lake South is $252,400. Zillow estimates the typical home value at $298,868. The homeownership rate is 82.8%. The average annual property tax is $5,588.
How are the schools in Banks Lake South?
Schools in Banks Lake South score 5.2 out of 10 on standardized testing, near the national average. 12.8% of adults in Banks Lake South hold a bachelor's degree or higher, below the national average of 33.7%. 96.0% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is Banks Lake South?
The obesity rate in Banks Lake South is 37.8% (above the national rate of 32.1%). 14.1% of adults are smokers. 21.1% are physically inactive. 27.7% of residents report depression. 1.9% lack health insurance (below the national rate). 87.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,641.
What is transportation like in Banks Lake South?
The average commute in Banks Lake South is 26 minutes. 80.5% of workers drive alone to work, and 19.5% work from home.
What are the demographics of Banks Lake South?
The racial and ethnic makeup of Banks Lake South is 72.2% White, 4.2% Hispanic or Latino, 5.1% Asian. 98.6% of residents speak only English at home. 6.0% of the population are military veterans. 39.8% of residents have a disability. 98.1% have health insurance coverage.