Median Income
$60,417
20% lower than US avg
Violent Crime
119/100K
69% lower than US avg
Bachelor's+
9.1%
73% lower than US avg
Median Rent
$808
31% lower than US avg
Obesity Rate
32.7%
2% higher than US avg
Unemployment
5.0%
39% higher than US avg
Poverty Rate
9.0%
27% lower than US avg
How Cranfills Gap Compares to the U.S. Average (100% = U.S. avg)
People
Population303
Median Age43.4 yrs
Density415/mi²
Male / Female56% / 44%
Largest GroupWhite 82%
Veterans7.3%
Economy
B+
Median Income$60,417
Per Capita$30,150
Unemployment5.0%
Poverty9.0%
County GDP$857M
Commute47 min
Housing
A+
Rent$808
Ownership59.5%
Zillow$332,342
Housing Units131
Rent Burden15.8%
Crime
F
Violent119/100K
Property1,191/100K
Health
Obesity32.7%
Uninsured11.3%
Smoking11.2%
Depression24.0%
Heart Disease4.7%
Climate
Avg Temp65°F (18°C)
AQI42 (Good)
Rain36.2 in/yr
Sunny Days303/yr
Elevation1,123 ft (342 m)
Education
D
Bachelor's+9.1%
High School+87.7%
Graduate+2.1%
School Score5.19
Community
2024 VoteR 83% / D 16%
Commute47 min
Broadband83.5%
EV Stations1
Libraries3
Is Cranfills Gap a Good Place to Live?
Based on current data, Cranfills Gap receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include low crime rates, abundant sunshine. Areas to be aware of include long commute times. Cranfills Gap has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Cranfills Gap is $60,417, 20% below the national average of $75,149. The unemployment rate of 5.0% is somewhat elevated compared to the national rate of 3.6%. 9.0% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 47 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
Renters pay a median of $808 per month, below the national average / a plus for affordability.
Safety & Crime
Cranfills Gap is a very safe community with a violent crime rate of 119 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,191 per 100,000, 39% below the national average.
Education
9.1% of residents hold a bachelor's degree, below the national average of 33.7%. 87.7% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Cranfills Gap enjoys a moderate climate with an average annual temperature of 65°F. Winters average 45°F in January while summers reach 83°F in July. With 303 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 36.2 inches. Air quality is rated Good with a median AQI of 42.
Cranfills Gap has a population of 303 with a density of 415 people per square mile, spread across 0.7 square miles. The median age is 43.4 years, 12% older than the national median of 38.9. The gender split is 43.9% female and 56.1% male. The city is predominantly White (81.8%), with 10.9% Hispanic. English is the primary language spoken at home by 87.7% of residents, while 12.3% speak Spanish. 7.3% of the population are veterans, above the national rate of 6.0%. 19.5% of residents have a disability (above the 13.0% national average). 76.5% have health insurance coverage.
Population
43.4yrs
Median Age
12% above US avg
Race & Ethnicity
Cranfills Gap vs U.S. Average
Language Spoken at Home
English Only
87.7%
12% above US avg
Spanish
12.3%
8% below US avg
Social Characteristics
Cranfills Gap vs U.S. Average
The median household income in Cranfills Gap is $60,417, which is 20% below the national average of $75,149. Per capita income is $30,150 (below the $39,052 national figure). The average weekly wage is $1,062, 26% lower than the U.S. average. The unemployment rate is 5.0% (above the 3.6% US average). 9.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 400 business establishments, including 27 restaurants. The cost of living index is 97.1, roughly in line with the national average. Workers commute an average of 47 minutes (longer than the 28-minute US average). 16.8% of workers work from home.
Income: Cranfills Gap vs U.S.
Income
| Median HH Income | $60,417 |
| 20% below US avg |
| Per Capita Income | $30,150 |
| Avg Weekly Wage | $1,062 |
| IRS Avg AGI | $72,214 |
| Gini Index | 0.426 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.0% |
| 39% above US avg |
| Poverty Rate | 9.0% |
| 27% below US avg |
| Establishments (County) | 400 |
| County GDP | $857M |
Business (County)
| Restaurants | 27 |
| Healthcare | 22 |
| Retail | 57 |
| Manufacturing | 13 |
Tax & Cost of Living
| Property Tax (IRS) | $6,790 |
| 94% above US avg |
| Cost of Living | 97.10 (100=avg) |
Commute & Transportation
| Commute Time | 46.7 min |
| Drive Alone | 81.8% |
| Public Transit | 0.0% |
| Work from Home | 16.8% |
Zillow estimates the typical home value at $332,342. Monthly rent averages $808 (31% below the national average of $1,163). Fair market rent ranges from $935 for a one-bedroom to $1,149 for a two-bedroom apartment. 59.5% of housing units are owner-occupied. There are 131 total housing units in the city. The median year a home was built is 1962. The average annual property tax is $6,790 (higher than the $3,500 national average). 15.8% of renters spend 30% or more of their income on housing.
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $808 |
| 31% below US avg |
| Rent Burden | 15.8% |
HUD Fair Market Rent
| Studio | $887 |
| 1 Bedroom | $935 |
| 2 Bedrooms | $1,149 |
| 3 Bedrooms | $1,497 |
| 4 Bedrooms | $1,733 |
Ownership & Property
| Homeownership | 59.5% |
| Owner-Occupied | 59.5% |
| Renter-Occupied | 40.5% |
| Housing Units | 131 |
| Median Year Built | 1962 |
Property Tax
| Avg Tax (IRS) | $6,790 |
| 94% above US avg |
In Cranfills Gap, 32.7% of adults are obese, above the national rate of 32.1%. 8.5% have diabetes (below the 10.5% national rate). Heart disease affects 4.7% of residents, below the national average. 28.6% have high blood pressure. 11.2% are current smokers. 20.5% report binge drinking. 20.1% are physically inactive, below the national average. 24.0% report depression (above the 20.0% national average). 17.2% experience frequent mental distress. 11.3% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:1,850. The dentist ratio is 1:2,671. 30.9% of residents have access to exercise opportunities. The food environment index is 6.8 out of 10.
Health Metrics: Cranfills Gap vs U.S. Average (%)
Chronic Conditions
| Obesity | 32.7% |
| 2% above US avg |
| Diabetes | 8.5% |
| Heart Disease | 4.7% |
| High Blood Pressure | 28.6% |
| Asthma | 9.9% |
| COPD | 4.9% |
| Cancer | 7.1% |
| Stroke | 2.5% |
Behaviors & Mental Health
| Smoking | 11.2% |
| 20% below US avg |
| Binge Drinking | 20.5% |
| Physical Inactivity | 20.1% |
| Depression | 24.0% |
| Mental Distress | 17.2% |
| Physical Distress | 11.1% |
| Short Sleep | 36.0% |
Healthcare Access
| Insurance Rate | 76.5% |
| Uninsured | 11.3% |
| 31% above US avg |
| Primary Care | 1:1,850 |
| Dentists | 1:2,671 |
| Mental Health | 1:2,111 |
| Checkup Rate | 73.1% |
| Dental Visits | 61.9% |
| Premature Death | 12,030/100K |
Food & Exercise
| Food Environment | 6.8/10 |
| Exercise Access | 30.9% |
| Healthcare Facilities | 22 |
Cranfills Gap has a violent crime rate of 119 per 100,000 residents, 69% below the national average of 380. Property crime stands at 1,191 per 100,000, 39% below the U.S. average. The county recorded 5 fatal traffic crashes. The area has experienced 182 federally declared disasters. Overall, Cranfills Gap receives a safety grade of F.
Crime Rates: Cranfills Gap vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 119.1/100K |
| 69% below US avg |
| |
Property Crime
| Total Property | 1,190.8/100K |
| 39% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 182 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cranfills Gap enjoys a temperate climate with an average annual temperature of 65°F (18°C). Winters average 45°F in January while summers reach 83°F in July. The area gets 303 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 36.2 inches. Air quality is rated Good with a median AQI of 42. The city sits at an elevation of 1,123 feet.
Temperature
45°F Jan (7°C)
83°F Jul (28°C)
| Annual Average | 64.5°F |
| 19% above US avg |
| January Average | 45°F (7°C) |
| July Average | 83°F (28°C) |
| Sunny Days | 303 days/yr |
Geography
| Elevation | 1,123 ft (342 m) |
| Area | 0.7 sq mi (1.9 km²) |
| Population Density | 415/sq mi |
| Coordinates | 31.7748°N, 97.8330°W |
| Timezone | America/Chicago |
| County | Bosque County County |
| Nearest Airport | Stephenville Clark Regional (SEP) 37 miles away |
Precipitation & Snow
Annual Rainfall
36.2"
5% below US avg
Wettest Month (May)
4.41"
Air Quality
| AQI Median | 42.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 36.9 / 100 |
| Social Vulnerability | 69.8 / 100 |
| Community Resilience | 33.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively High |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
88 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.0. Most recent: M3.1 on May 1, 2024.
| May 7, 2015 |
5 km N of Venus, Texas |
M4.0 |
105 km |
| Nov 28, 2013 |
6 km SSW of Perrin, Texas |
M3.7 |
135 km |
| Dec 9, 2013 |
8 km S of Perrin, Texas |
M3.7 |
133 km |
| Nov 20, 2013 |
1 km NNW of Azle, Texas |
M3.6 |
129 km |
| Dec 8, 2013 |
0 km NNE of Sanctuary, Texas |
M3.6 |
129 km |
| Jan 7, 2015 |
6 km NE of Irving, Texas |
M3.6 |
148 km |
| Jun 24, 2012 |
3 km SSE of Briaroaks, Texas |
M3.5 |
93 km |
| Jan 6, 2015 |
4 km ENE of Irving, Texas |
M3.5 |
147 km |
| May 19, 2018 |
8 km NW of Venus, Texas |
M3.4 |
101 km |
| Nov 25, 2013 |
3 km WNW of Sanctuary, Texas |
M3.4 |
129 km |
| Sep 30, 2012 |
4 km NW of Irving, Texas |
M3.4 |
143 km |
| May 16, 2009 |
5 km NNW of Grand Prairie, Texas |
M3.3 |
137 km |
| Apr 2, 2015 |
5 km NNE of Irving, Texas |
M3.3 |
147 km |
| May 18, 2015 |
5 km N of Irving, Texas |
M3.3 |
147 km |
| Jun 15, 2012 |
5 km SSE of Briaroaks, Texas |
M3.3 |
93 km |
| Jan 18, 2012 |
9 km SSE of Godley, Texas |
M3.3 |
74 km |
| May 1, 2024 |
7 km S of Mansfield, Texas |
M3.2 |
103 km |
| May 3, 2015 |
4 km N of Irving, Texas |
M3.2 |
146 km |
| May 1, 2024 |
7 km SSW of Mansfield, Texas |
M3.1 |
102 km |
| Jan 13, 2014 |
2 km ESE of Reno, Texas |
M3.1 |
132 km |
Source: USGS (M2.5+, 1990–2025)
Hurricane History
1 hurricane (Cat 1+) within 500 km since 1980.
Strongest: Category 2. Most recent: Ike (2008, Cat 2).
| Year |
Name |
Category |
Closest |
| 2008 |
Ike |
Category 2 |
255 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
560 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 138 fatalities, 1,000 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 6, 1973 |
EF5 |
37 km |
0 |
| May 11, 1953 |
EF5 |
69 km |
114 |
| May 15, 2013 |
EF4 |
71 km |
6 |
| May 26, 1976 |
EF4 |
76 km |
0 |
| Mar 10, 1973 |
EF4 |
99 km |
6 |
| Mar 31, 1959 |
EF4 |
59 km |
6 |
| Apr 21, 1952 |
EF4 |
47 km |
0 |
| Apr 12, 2022 |
EF3 |
99 km |
0 |
| May 15, 2013 |
EF3 |
62 km |
0 |
| May 12, 2000 |
EF3 |
46 km |
2 |
| May 27, 1997 |
EF3 |
76 km |
0 |
| May 27, 1997 |
EF3 |
70 km |
0 |
| Mar 14, 1990 |
EF3 |
85 km |
0 |
| May 12, 1982 |
EF3 |
80 km |
0 |
| May 12, 1982 |
EF3 |
87 km |
0 |
| May 9, 1981 |
EF3 |
80 km |
0 |
| May 11, 1978 |
EF3 |
71 km |
0 |
| May 26, 1976 |
EF3 |
77 km |
2 |
| May 26, 1976 |
EF3 |
78 km |
0 |
| May 25, 1976 |
EF3 |
71 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: CRITTENBERG COMPLEX (21,391 ac, 2022).
| Year |
Name |
Acres |
Distance |
| 2022 |
CRITTENBERG COMPLEX |
21,391 |
57 km |
| 2022 |
BIG L |
9,653 |
74 km |
| 2006 |
HUCKABAY |
9,100 |
79 km |
| 2022 |
CHALK MOUNTAIN |
6,461 |
50 km |
| 2011 |
ROBINETTE |
6,039 |
61 km |
| 2011 |
UNNAMED |
5,706 |
62 km |
| 2011 |
BIG TRICKLE RANCH FIRE |
3,623 |
42 km |
| 2022 |
RAMSEY |
3,545 |
94 km |
| 2022 |
3 OAKS |
3,294 |
62 km |
| 2018 |
HARMAN ROAD |
3,094 |
51 km |
| 1993 |
UNNAMED |
2,431 |
76 km |
| 2009 |
OWL CREEK |
2,376 |
55 km |
| 2011 |
UNNAMED |
2,236 |
66 km |
| 1996 |
UNNAMED |
2,067 |
79 km |
| 2005 |
200 MOUNTAIN RIDGE |
2,051 |
89 km |
| 2005 |
CARTER |
1,898 |
91 km |
| 2006 |
BROWNS CREEK RANGE |
1,889 |
55 km |
| 1992 |
UNNAMED |
1,854 |
98 km |
| 2008 |
LAMKIN |
1,847 |
45 km |
| 2005 |
XO RANCH |
1,847 |
100 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
45°F (7°C) |
1.9 in |
Coldest |
| February |
50°F (10°C) |
2.1 in |
|
| March |
57°F (14°C) |
2.5 in |
|
| April |
65°F (18°C) |
3.1 in |
|
| May |
72°F (22°C) |
4.4 in |
Wettest |
| June |
79°F (26°C) |
3.7 in |
|
| July |
83°F (28°C) |
2.1 in |
Warmest |
| August |
83°F (28°C) |
2.2 in |
|
| September |
77°F (25°C) |
3.4 in |
|
| October |
67°F (19°C) |
3.1 in |
|
| November |
56°F (13°C) |
2.3 in |
|
| December |
48°F (9°C) |
1.7 in |
Driest |
Cranfills Gap has a seasonal temperature swing of 38°F / from 45°F in January to 83°F in July. Total annual precipitation is 32.5 inches, with May being the wettest month (4.4") and December the driest (1.7").
Average costs for common services in Cranfills Gap. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$243 ($146–$388) |
| Specialist Visit |
$340 ($194–$534) |
| Urgent Care Visit |
$194 ($97–$340) |
| Emergency Room Visit |
$2,136 ($777–$4,855) |
| Dental Cleaning |
$126 ($73–$194) |
| Dental Filling |
$243 ($146–$388) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($24–$73) |
| Oil Change (Synthetic) |
$73 ($49–$117) |
| Brake Pad Replacement |
$291 ($146–$486) |
| Tire Rotation |
$39 ($19–$73) |
| New Tires (Set of 4) |
$583 ($388–$971) |
| Battery Replacement |
$194 ($97–$340) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$97 ($58–$146) |
| Electrician (Per Hour) |
$87 ($49–$136) |
| HVAC Repair |
$388 ($146–$777) |
| HVAC System Install |
$6,797 ($3,884–$11,652) |
| Roof Repair |
$971 ($388–$1,942) |
| Roof Replacement |
$8,739 ($5,341–$14,565) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,457 ($486–$3,399) |
| Divorce (Contested) |
$14,565 ($4,855–$29,130) |
| DUI Defense |
$4,855 ($1,942–$9,710) |
| Bankruptcy (Chapter 7) |
$1,457 ($777–$2,913) |
| Will Preparation |
$486 ($194–$971) |
| Trust Preparation |
$2,428 ($971–$4,855) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($15–$44) |
| Women's Haircut |
$53 ($29–$97) |
| Hair Coloring (Full) |
$146 ($73–$243) |
| Manicure |
$24 ($15–$44) |
| Pedicure |
$39 ($24–$63) |
| Massage (1 Hour) |
$78 ($49–$126) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.98 ($2.91–$5.34) |
| Dozen Eggs (per dozen) |
$3.40 ($2.43–$4.86) |
| Loaf of Bread |
$3.69 ($2.43–$5.34) |
| Chicken Breast (per lb) |
$4.37 ($2.91–$6.31) |
| Ground Beef (per lb) |
$5.34 ($3.88–$7.28) |
| Rice (per lb) |
$0.97 ($0.58–$1.75) |
View all 20 services
Utilities
| Electricity (Monthly) |
$136 ($78–$243) |
| Natural Gas (Monthly) |
$68 ($29–$146) |
| Water/Sewer (Monthly) |
$68 ($39–$117) |
| Internet (Monthly) |
$68 ($39–$97) |
| Cell Phone Plan (Monthly) |
$63 ($29–$97) |
| Cable TV (Monthly) |
$83 ($49–$146) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$194 ($73–$486) |
| Car Insurance (Annual) |
$1,942 ($1,165–$3,399) |
| Bus Pass (Monthly) |
$68 ($29–$126) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.77–$24) |
| Car Registration (Annual) |
$97 ($29–$243) |
| Driver's License Renewal |
$29 ($15–$73) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,165 ($583–$2,428) |
| Daycare (Toddler, Monthly) |
$971 ($486–$1,942) |
| After-School Care (Monthly) |
$388 ($194–$680) |
| Tutoring (Per Hour) |
$49 ($24–$97) |
| SAT/ACT Prep Course |
$971 ($388–$2,428) |
| Private School (K-12, Annual) |
$12,138 ($4,855–$29,130) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$58 ($29–$97) |
| Dog Vaccination (Annual) |
$97 ($49–$194) |
| Dog Grooming |
$58 ($29–$97) |
| Pet Boarding (Per Night) |
$39 ($19–$73) |
| Dog Spay/Neuter |
$291 ($146–$486) |
| Cat Spay/Neuter |
$194 ($97–$388) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $580 |
| Toddler | $550 |
| Preschool | $537 |
| Family Childcare (monthly) |
| Infant | $528 |
| Toddler | $507 |
| Preschool | $502 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cranfills Gap
What is the population of Cranfills Gap?
Cranfills Gap has a population of 303 residents and is located in Texas. The population density is 415 people per square mile, spread across 0.7 square miles. The median age of residents is 43.4 years, which is older than the national median of 38.9 years. The population is 43.9% female and 56.1% male.
Is Cranfills Gap expensive to live in?
Cranfills Gap has a cost of living roughly in line with the national average, with an index of 97.1 (baseline: 100). The median household income is $60,417, 20% below the national average of $75,149. Renters pay a median of $808 per month, below the national average of $1,163.
Is Cranfills Gap safe?
Cranfills Gap is considered a very safe city with a violent crime rate of 119 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,191 per 100,000 (below the national average). Overall, Cranfills Gap receives a safety grade of F based on combined crime data.
What is the weather like in Cranfills Gap?
Cranfills Gap enjoys a temperate climate with an average annual temperature of 65°F (18°C). Winter temperatures average 45°F in January, while summers reach an average of 83°F in July. The area receives 303 sunny days per year, well above the national average of 205. Annual rainfall totals 36.2 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 42.
How is the job market in Cranfills Gap?
The unemployment rate in Cranfills Gap is 5.0%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $1,062. There are 400 business establishments in the area, including 27 restaurants and food service locations. The average commute time is 47 minutes, and 16.8% of workers work from home.
How much does housing cost in Cranfills Gap?
For renters, the median monthly rent is $808. Fair market rent is $935 for a 1-bedroom and $1,149 for a 2-bedroom apartment. The homeownership rate is 59.5%. The average annual property tax is $6,790.
How are the schools in Cranfills Gap?
Schools in Cranfills Gap score 5.2 out of 10 on standardized testing, near the national average. 9.1% of adults in Cranfills Gap hold a bachelor's degree or higher, below the national average of 33.7%. 87.7% have completed high school. 2.1% hold a graduate or professional degree.
How healthy is Cranfills Gap?
The obesity rate in Cranfills Gap is 32.7% (above the national rate of 32.1%). 11.2% of adults are smokers. 20.1% are physically inactive. 24.0% of residents report depression. 11.3% lack health insurance (above the national rate). 30.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,850.
What is transportation like in Cranfills Gap?
The average commute in Cranfills Gap is 47 minutes, longer than the national average of 28 minutes. 81.8% of workers drive alone to work, and 16.8% work from home.
What are the demographics of Cranfills Gap?
The racial and ethnic makeup of Cranfills Gap is 81.8% White, 10.9% Hispanic or Latino. 87.7% of residents speak only English at home, while 12.3% speak Spanish. 7.3% of the population are military veterans. 19.5% of residents have a disability. 76.5% have health insurance coverage.