Median Income
$30,750
59% lower than US avg
Home Value
$56,900
80% lower than US avg
Violent Crime
783/100K
106% higher than US avg
Bachelor's+
19.9%
41% lower than US avg
Median Rent
$600
48% lower than US avg
Obesity Rate
40.4%
26% higher than US avg
Unemployment
1.5%
58% lower than US avg
Poverty Rate
44.2%
256% higher than US avg
How Many Farms Compares to the U.S. Average (100% = U.S. avg)
People
Population705
Median Age34.0 yrs
Density87/mi²
Male / Female59% / 41%
Largest GroupWhite 5%
Veterans3.5%
Economy
C
Median Income$30,750
Per Capita$17,294
Unemployment1.5%
Poverty44.2%
County GDP$2,948M
Commute21 min
Housing
A+
Home Value$56,900
Rent$600
Ownership48.5%
Zillow$394,556
Housing Units365
Rent Burden14.9%
Crime
F
Violent783/100K
Property4,878/100K
Health
Obesity40.4%
Uninsured16.6%
Smoking30.7%
Depression22.4%
Heart Disease9.9%
Climate
Avg Temp54°F (12°C)
AQI45 (Good)
Rain8.8 in/yr
Sunny Days330/yr
Elevation5,340 ft (1,628 m)
Education
C+
Bachelor's+19.9%
High School+86.2%
Graduate+10.5%
School Score3.29
Community
2024 VoteR 40% / D 59%
Commute21 min
Broadband33.9%
EV Stations9
Libraries8
Is Many Farms a Good Place to Live?
Based on current data, Many Farms receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine. Areas to be aware of include elevated crime rates, an elevated poverty rate, a high uninsured rate. Many Farms has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Many Farms is $30,750, 59% below the national average of $75,149. The job market is very strong with unemployment at just 1.5%. The poverty rate of 44.2% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Many Farms is $56,900, 80% below the national median / offering relatively affordable homeownership. Renters pay a median of $600 per month, below the national average / a plus for affordability. At just 1.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
With 783 violent crimes per 100,000 residents, public safety is a notable concern / this is significantly above the national average of 380. Property crime occurs at a rate of 4,878 per 100,000, 149% above the national average.
Education
19.9% of residents hold a bachelor's degree, below the national average of 33.7%. 86.2% have completed high school. School test scores average 3.3/10, below typical benchmarks.
Climate & Weather
Many Farms experiences four distinct seasons with an average temperature of 54°F. Winters average 31°F in January while summers reach 77°F in July. With 330 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 8.8 inches. Air quality is rated Good with a median AQI of 45.
Many Farms has a population of 705 with a density of 87 people per square mile, spread across 8.2 square miles. The median age is 34.0 years, 13% younger than the national median of 38.9. The gender split is 40.6% female and 59.4% male. The city is predominantly Hispanic (93%), with 4.7% White, 90.2% Asian. English is the primary language spoken at home by 34.9% of residents, while 65.1% speak Spanish. 3.5% of the population are veterans, below the national rate of 6.0%. 7.3% of residents have a disability (below the 13.0% national average). 58.0% have health insurance coverage.
Population
34.0yrs
Median Age
13% below US avg
Race & Ethnicity
Many Farms vs U.S. Average
Language Spoken at Home
English Only
34.9%
56% below US avg
Spanish
65.1%
386% above US avg
Social Characteristics
Many Farms vs U.S. Average
The median household income in Many Farms is $30,750, which is 59% below the national average of $75,149. Per capita income is $17,294 (below the $39,052 national figure). The average weekly wage is $1,092, 24% lower than the U.S. average. The unemployment rate is 1.5% (below the 3.6% US average). 44.2% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 630 business establishments, including 62 restaurants. The cost of living index is 100.7, roughly in line with the national average. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 2.7% of workers work from home (below the 15.2% national rate).
Income: Many Farms vs U.S.
Income
| Median HH Income | $30,750 |
| 59% below US avg |
| Per Capita Income | $17,294 |
| Avg Weekly Wage | $1,092 |
| IRS Avg AGI | $46,478 |
| Gini Index | 0.514 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.5% |
| 58% below US avg |
| Poverty Rate | 44.2% |
| 256% above US avg |
| Establishments (County) | 630 |
| County GDP | $2,948M |
Business (County)
| Restaurants | 62 |
| Healthcare | 70 |
| Retail | 98 |
| Manufacturing | 7 |
Tax & Cost of Living
| Property Tax (IRS) | $2,061 |
| 41% below US avg |
| Cost of Living | 100.70 (100=avg) |
| Effective Tax Rate | 3.62% |
Commute & Transportation
| Commute Time | 20.6 min |
| Drive Alone | 80.0% |
| Public Transit | 0.5% |
| Work from Home | 2.7% |
The median home value in Many Farms is $56,900, 80% below the national median of $281,900. Zillow estimates the typical home value at $394,556, higher than the Census estimate. Monthly rent averages $600 (48% below the national average of $1,163). Fair market rent ranges from $1,151 for a one-bedroom to $1,419 for a two-bedroom apartment. 48.5% of housing units are owner-occupied (below the 65.4% national rate). There are 365 total housing units in the city. The median year a home was built is 1987. The average annual property tax is $2,061 (lower than the $3,500 national average). 14.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.9x, well within the affordable range.
Home Values
| Census Median | $56,900 |
| 80% below US avg |
| Zillow ZHVI | $394,556 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $600 |
| 48% below US avg |
| Rent Burden | 14.9% |
HUD Fair Market Rent
| Studio | $1,053 |
| 1 Bedroom | $1,151 |
| 2 Bedrooms | $1,419 |
| 3 Bedrooms | $1,889 |
| 4 Bedrooms | $2,158 |
Ownership & Property
| Homeownership | 48.5% |
| Owner-Occupied | 48.5% |
| Renter-Occupied | 51.5% |
| Housing Units | 365 |
| Median Year Built | 1987 |
Property Tax
| Avg Tax (IRS) | $2,061 |
| 41% below US avg |
| Effective Rate | 3.62% |
In Many Farms, 40.4% of adults are obese, above the national rate of 32.1%. 19.5% have diabetes (above the 10.5% national rate). Heart disease affects 9.9% of residents, above the national average. 37.0% have high blood pressure. 30.7% are current smokers (above the 14.0% national rate). 12.2% report binge drinking. 33.8% are physically inactive, above the national average. 22.4% report depression. 25.3% experience frequent mental distress. 16.6% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:2,430. The dentist ratio is 1:1,335. 17.5% of residents have access to exercise opportunities. The food environment index is 3.1 out of 10.
Health Metrics: Many Farms vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.4% |
| 26% above US avg |
| Diabetes | 19.5% |
| Heart Disease | 9.9% |
| High Blood Pressure | 37.0% |
| Asthma | 16.0% |
| COPD | 14.0% |
| Cancer | 6.2% |
| Stroke | 6.8% |
Behaviors & Mental Health
| Smoking | 30.7% |
| 119% above US avg |
| Binge Drinking | 12.2% |
| Physical Inactivity | 33.8% |
| Depression | 22.4% |
| Mental Distress | 25.3% |
| Physical Distress | 23.7% |
| Short Sleep | 45.5% |
Healthcare Access
| Insurance Rate | 58.0% |
| Uninsured | 16.6% |
| 93% above US avg |
| Primary Care | 1:2,430 |
| Dentists | 1:1,335 |
| Mental Health | 1:834 |
| Checkup Rate | 69.8% |
| Dental Visits | 35.5% |
| Premature Death | 27,851/100K |
Food & Exercise
| Food Environment | 3.1/10 |
| Exercise Access | 17.5% |
| Healthcare Facilities | 70 |
Many Farms has a violent crime rate of 783 per 100,000 residents, 106% above the national average of 380. Property crime stands at 4,878 per 100,000, 149% above the U.S. average. The county recorded 23 fatal traffic crashes. Overall, Many Farms receives a safety grade of F.
Crime Rates: Many Farms vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 782.8/100K |
| 106% above US avg |
| |
Property Crime
| Total Property | 4,877.6/100K |
| 149% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 23 |
| Traffic Accidents | 23 |
| Avg Accident Severity | 2.3 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Many Farms experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 31°F in January while summers reach 77°F in July. The area gets 330 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 8.8 inches (drier than the 38-inch national average). The area receives 4.9 inches of snow annually. Air quality is rated Good with a median AQI of 45. The city sits at an elevation of 5,340 feet, a high-altitude location.
Temperature
31°F Jan (-0°C)
77°F Jul (25°C)
| Annual Average | 53.5°F |
| 1% below US avg |
| January Average | 31°F (-0°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 330 days/yr |
Geography
| Elevation | 5,340 ft (1,628 m) |
| Area | 8.2 sq mi (21.2 km²) |
| Population Density | 87/sq mi |
| Coordinates | 36.3429°N, 109.6376°W |
| Timezone | America/Phoenix |
| County | Apache County County |
| Nearest Airport | Four Corners Regional (FMN) 83 miles away |
Precipitation & Snow
Annual Rainfall
8.8"
77% below US avg
Wettest Month (Aug)
1.14"
Air Quality
| AQI Median | 45.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| PM2.5 (Fine Particles) | 2.7 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 78.8 / 100 |
| Social Vulnerability | 99.8 / 100 |
| Community Resilience | 0.3 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively High |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively High |
| Lightning |
Very High |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Moderate |
| Volcano |
Very Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
21 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.7. Most recent: M3.4 on Mar 1, 2025.
| Apr 22, 2017 |
4 km SSW of Bluff, Utah |
M3.7 |
101 km |
| Jun 6, 2008 |
10 km NE of Bluff, Utah |
M3.6 |
114 km |
| Mar 1, 2025 |
6 km SE of Moenkopi, Arizona |
M3.4 |
142 km |
| Oct 18, 1998 |
14 km SE of Moenkopi, Arizona |
M3.4 |
135 km |
| Jun 25, 1991 |
10 km W of Oljato-Monument Valley, Utah |
M3.4 |
100 km |
| Jul 13, 2009 |
3 km SE of Navajo Mountain, Utah |
M3.3 |
124 km |
| Jul 4, 2007 |
9 km S of Moenkopi, Arizona |
M3.2 |
145 km |
| Jul 4, 2021 |
24 km SW of Lake Valley, New Mexico |
M3.1 |
121 km |
| Jul 15, 1992 |
26 km NNW of Mexican Hat, Utah |
M3.0 |
118 km |
| May 20, 1994 |
0 km SSE of Oljato-Monument Valley, Utah |
M3.0 |
93 km |
| Sep 13, 1996 |
10 km NW of Kayenta, Arizona |
M2.9 |
80 km |
| Sep 22, 1992 |
15 km NW of Oljato-Monument Valley, Utah |
M2.8 |
110 km |
| Jun 10, 2020 |
5 km WNW of Tsaile, Arizona |
M2.8 |
32 km |
| Mar 8, 1994 |
15 km NW of Kayenta, Arizona |
M2.8 |
86 km |
| Nov 30, 2012 |
12 km ESE of Halls Crossing, Utah |
M2.7 |
146 km |
| May 20, 1994 |
8 km NNW of Kayenta, Arizona |
M2.7 |
78 km |
| Sep 23, 1995 |
4 km E of Teec Nos Pos, Arizona |
M2.7 |
84 km |
| Mar 6, 2023 |
17 km ENE of Chilchinbito, Arizona |
M2.6 |
34 km |
| Aug 26, 2024 |
8 km S of Rough Rock, Arizona |
M2.6 |
22 km |
| Jul 16, 2022 |
11 km NW of Many Farms, Arizona |
M2.5 |
12 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
9 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF0.
| Date |
Rating |
Distance |
Fatalities |
| Sep 13, 2022 |
EF0 |
58 km |
0 |
| Oct 20, 2015 |
EF0 |
78 km |
0 |
| Jun 6, 2015 |
EF0 |
80 km |
0 |
| Oct 21, 2010 |
EF0 |
29 km |
0 |
| Aug 3, 2010 |
EF0 |
9 km |
0 |
| Oct 3, 2003 |
EF0 |
91 km |
0 |
| May 25, 1996 |
EF0 |
70 km |
0 |
| Oct 17, 1962 |
EF0 |
86 km |
0 |
| Apr 29, 1957 |
EF0 |
59 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
16 wildfires (100+ acres) within 100 km.
Largest: WOOD SPRINGS 2 (13,208 ac, 2020).
| Year |
Name |
Acres |
Distance |
| 2020 |
WOOD SPRINGS 2 |
13,208 |
57 km |
| 2014 |
ASSAYII LAKE |
13,176 |
79 km |
| 2005 |
LITTLE WATER1 |
4,342 |
83 km |
| 2002 |
CARRIZO 1 |
3,701 |
70 km |
| 2005 |
HOOK LAKE |
3,609 |
64 km |
| 2009 |
SAWMILL ROAD RX |
3,411 |
68 km |
| 2004 |
TURKEY SPRING |
3,017 |
47 km |
| 2007 |
OAK RIDGE 3 |
2,959 |
92 km |
| 2004 |
SANDSPRING |
2,935 |
78 km |
| 2010 |
FLUTED ROCK LAKE RX |
2,630 |
61 km |
| 2006 |
KINLICHEE CANYON 1 |
2,283 |
77 km |
| 2005 |
KINLICHEE |
1,949 |
79 km |
| 2011 |
CATTAIL CANYON JACKPOT BURN |
1,801 |
56 km |
| 2006 |
KINLICHEE 2 |
1,738 |
74 km |
| 2001 |
9400 FMZ |
1,312 |
57 km |
| 2005 |
OAK RIDGE |
1,309 |
90 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
31°F (-0°C) |
0.6 in |
Coldest |
| February |
38°F (3°C) |
0.6 in |
|
| March |
44°F (7°C) |
0.7 in |
|
| April |
52°F (11°C) |
0.5 in |
|
| May |
61°F (16°C) |
0.5 in |
|
| June |
71°F (22°C) |
0.2 in |
Driest |
| July |
77°F (25°C) |
0.9 in |
Warmest |
| August |
76°F (24°C) |
1.1 in |
Wettest |
| September |
67°F (20°C) |
0.9 in |
|
| October |
55°F (13°C) |
1.0 in |
|
| November |
42°F (6°C) |
0.8 in |
|
| December |
32°F (0°C) |
0.7 in |
|
Many Farms has a seasonal temperature swing of 45°F / from 31°F in January to 77°F in July. Total annual precipitation is 8.5 inches, with August being the wettest month (1.1") and June the driest (0.2").
Average costs for common services in Many Farms. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$252 ($151–$403) |
| Specialist Visit |
$352 ($201–$554) |
| Urgent Care Visit |
$201 ($101–$352) |
| Emergency Room Visit |
$2,215 ($806–$5,035) |
| Dental Cleaning |
$131 ($76–$201) |
| Dental Filling |
$252 ($151–$403) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$76) |
| Oil Change (Synthetic) |
$76 ($50–$121) |
| Brake Pad Replacement |
$302 ($151–$504) |
| Tire Rotation |
$40 ($20–$76) |
| New Tires (Set of 4) |
$604 ($403–$1,007) |
| Battery Replacement |
$201 ($101–$352) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$101 ($60–$151) |
| Electrician (Per Hour) |
$91 ($50–$141) |
| HVAC Repair |
$403 ($151–$806) |
| HVAC System Install |
$7,049 ($4,028–$12,084) |
| Roof Repair |
$1,007 ($403–$2,014) |
| Roof Replacement |
$9,063 ($5,539–$15,105) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,511 ($504–$3,525) |
| Divorce (Contested) |
$15,105 ($5,035–$30,210) |
| DUI Defense |
$5,035 ($2,014–$10,070) |
| Bankruptcy (Chapter 7) |
$1,511 ($806–$3,021) |
| Will Preparation |
$504 ($201–$1,007) |
| Trust Preparation |
$2,518 ($1,007–$5,035) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$101) |
| Hair Coloring (Full) |
$151 ($76–$252) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$81 ($50–$131) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.13 ($3.02–$5.54) |
| Dozen Eggs (per dozen) |
$3.52 ($2.52–$5.04) |
| Loaf of Bread |
$3.83 ($2.52–$5.54) |
| Chicken Breast (per lb) |
$4.53 ($3.02–$6.55) |
| Ground Beef (per lb) |
$5.54 ($4.03–$7.55) |
| Rice (per lb) |
$1.01 ($0.60–$1.81) |
View all 20 services
Utilities
| Electricity (Monthly) |
$141 ($81–$252) |
| Natural Gas (Monthly) |
$70 ($30–$151) |
| Water/Sewer (Monthly) |
$70 ($40–$121) |
| Internet (Monthly) |
$70 ($40–$101) |
| Cell Phone Plan (Monthly) |
$65 ($30–$101) |
| Cable TV (Monthly) |
$86 ($50–$151) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$201 ($76–$504) |
| Car Insurance (Annual) |
$2,014 ($1,208–$3,525) |
| Bus Pass (Monthly) |
$70 ($30–$131) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.06–$25) |
| Car Registration (Annual) |
$101 ($30–$252) |
| Driver's License Renewal |
$30 ($15–$76) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,208 ($604–$2,518) |
| Daycare (Toddler, Monthly) |
$1,007 ($504–$2,014) |
| After-School Care (Monthly) |
$403 ($201–$705) |
| Tutoring (Per Hour) |
$50 ($25–$101) |
| SAT/ACT Prep Course |
$1,007 ($403–$2,518) |
| Private School (K-12, Annual) |
$12,588 ($5,035–$30,210) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$101) |
| Dog Vaccination (Annual) |
$101 ($50–$201) |
| Dog Grooming |
$60 ($30–$101) |
| Pet Boarding (Per Night) |
$40 ($20–$76) |
| Dog Spay/Neuter |
$302 ($151–$504) |
| Cat Spay/Neuter |
$201 ($101–$403) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $974 |
| Toddler | $758 |
| Preschool | $758 |
| Family Childcare (monthly) |
| Infant | $758 |
| Toddler | $650 |
| Preschool | $650 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Many Farms
What is the population of Many Farms?
Many Farms has a population of 705 residents and is located in Arizona. The population density is 87 people per square mile, spread across 8.2 square miles. The median age of residents is 34.0 years, which is younger than the national median of 38.9 years. The population is 40.6% female and 59.4% male.
Is Many Farms expensive to live in?
Many Farms has a cost of living roughly in line with the national average, with an index of 100.7 (baseline: 100). The median household income is $30,750, 59% below the national average of $75,149. The median home value is $56,900 (80% below the U.S. median). Renters pay a median of $600 per month, below the national average of $1,163. The home price-to-income ratio is 1.9x, indicating housing is reasonably affordable relative to local income levels.
Is Many Farms safe?
Public safety is a concern in Many Farms, with a violent crime rate of 783 per 100,000 / significantly above the national average of 380. However, crime tends to concentrate in certain areas, and many neighborhoods remain relatively safe. Property crime occurs at a rate of 4,878 per 100,000 (above the national average). Overall, Many Farms receives a safety grade of F based on combined crime data.
What is the weather like in Many Farms?
Many Farms has a four-season climate with an average annual temperature of 54°F (12°C). Winter temperatures average 31°F in January, while summers reach an average of 77°F in July. The area receives 330 sunny days per year, well above the national average of 205. Annual rainfall totals 8.8 inches, with 4.9 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 45.
How is the job market in Many Farms?
The job market in Many Farms is very strong, with unemployment at just 1.5% / well below the national rate of 3.6%. The average weekly wage is $1,092. There are 630 business establishments in the area, including 62 restaurants and food service locations. The average commute time is 21 minutes, and 2.7% of workers work from home.
How much does housing cost in Many Farms?
The median home value in Many Farms is $56,900. Zillow estimates the typical home value at $394,556. For renters, the median monthly rent is $600. Fair market rent is $1,151 for a 1-bedroom and $1,419 for a 2-bedroom apartment. The homeownership rate is 48.5%. The average annual property tax is $2,061.
How are the schools in Many Farms?
Schools in Many Farms have an average test score of 3.3 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 19.9% of adults in Many Farms hold a bachelor's degree or higher, below the national average of 33.7%. 86.2% have completed high school. 10.5% hold a graduate or professional degree.
How healthy is Many Farms?
The obesity rate in Many Farms is 40.4% (above the national rate of 32.1%). 30.7% of adults are smokers. 33.8% are physically inactive. 22.4% of residents report depression. 16.6% lack health insurance (above the national rate). 17.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,430.
What is transportation like in Many Farms?
The average commute in Many Farms is 21 minutes, shorter than the national average of 28 minutes. 80% of workers drive alone to work, and 2.7% work from home.
What are the demographics of Many Farms?
The racial and ethnic makeup of Many Farms is 4.7% White, 93% Hispanic or Latino, 90.2% Asian. 34.9% of residents speak only English at home, while 65.1% speak Spanish. 3.5% of the population are military veterans. 7.3% of residents have a disability. 58.0% have health insurance coverage.