Median Income
$43,750
42% lower than US avg
Home Value
$234,400
17% lower than US avg
Violent Crime
79/100K
79% lower than US avg
Bachelor's+
21.1%
37% lower than US avg
Median Rent
$930
20% lower than US avg
Obesity Rate
33.4%
4% higher than US avg
Unemployment
3.1%
14% lower than US avg
Poverty Rate
11.0%
11% lower than US avg
How Meadow Compares to the U.S. Average (100% = U.S. avg)
People
Population246
Median Age43.7 yrs
Density482/mi²
Male / Female44% / 56%
Largest GroupWhite 95%
Veterans9.7%
Economy
B
Median Income$43,750
Per Capita$23,982
Unemployment3.1%
Poverty11.0%
County GDP$131M
Commute17 min
Housing
B+
Home Value$234,400
Rent$930
Ownership89.0%
Zillow$341,960
Housing Units108
Rent Burden31.5%
Crime
F
Violent79/100K
Property3,772/100K
Health
Obesity33.4%
Uninsured9.5%
Smoking11.6%
Depression27.6%
Heart Disease5.7%
Climate
Avg Temp54°F (12°C)
AQI41 (Good)
Rain15.5 in/yr
Sunny Days330/yr
Elevation4,856 ft (1,480 m)
Education
C+
Bachelor's+21.1%
High School+98.8%
Graduate+1.3%
School Score5.71
Community
2024 VoteR 89% / D 10%
Commute17 min
Broadband92.7%
EV Stations2
Is Meadow a Good Place to Live?
Based on current data, Meadow receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes. Meadow has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Meadow is $43,750, 42% below the national average of $75,149. Unemployment stands at 3.1%, indicating a healthy job market. 11.0% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 17 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Meadow is $234,400, 17% below the national median / offering relatively affordable homeownership. Renters pay a median of $930 per month, below the national average / a plus for affordability. The price-to-income ratio of 5.4x means housing costs are stretched relative to local earnings.
Safety & Crime
Meadow is a very safe community with a violent crime rate of 79 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 3,772 per 100,000, 92% above the national average.
Education
21.1% of residents hold a bachelor's degree, below the national average of 33.7%. 98.8% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
Meadow experiences four distinct seasons with an average temperature of 54°F. Winters average 31°F in January while summers reach 79°F in July. With 330 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 15.5 inches, including 79.7 inches of snow. Air quality is rated Good with a median AQI of 41.
Meadow has a population of 246 with a density of 482 people per square mile, spread across 0.5 square miles. The median age is 43.7 years, 12% older than the national median of 38.9. The gender split is 55.7% female and 44.3% male. The city is predominantly White (95.1%). English is the primary language spoken at home by 96.5% of residents. 9.7% of the population are veterans, above the national rate of 6.0%. 15.2% of residents have a disability. 93.0% have health insurance coverage.
Population
43.7yrs
Median Age
12% above US avg
Language Spoken at Home
English Only
96.5%
23% above US avg
Spanish
3.5%
74% below US avg
The median household income in Meadow is $43,750, which is 42% below the national average of $75,149. Per capita income is $23,982 (below the $39,052 national figure). The average weekly wage is $691, 52% lower than the U.S. average. The unemployment rate is 3.1% (below the 3.6% US average). 11.0% of residents live below the poverty line. The area has 62 business establishments, including 6 restaurants. The cost of living index is 98.9, roughly in line with the national average. Workers commute an average of 17 minutes (shorter than the 28-minute US average). 7.1% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $43,750 |
| 42% below US avg |
| Per Capita Income | $23,982 |
| Avg Weekly Wage | $691 |
| IRS Avg AGI | $51,744 |
| Gini Index | 0.476 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.1% |
| 14% below US avg |
| Poverty Rate | 11.0% |
| 11% below US avg |
| Establishments (County) | 62 |
| County GDP | $131M |
Tax & Cost of Living
| Property Tax (IRS) | $1,933 |
| 45% below US avg |
| Cost of Living | 98.90 (100=avg) |
| Effective Tax Rate | 0.82% |
Commute & Transportation
| Commute Time | 17.0 min |
| Drive Alone | 87.8% |
| Public Transit | 0.0% |
| Work from Home | 7.1% |
The median home value in Meadow is $234,400, 17% below the national median of $281,900. Zillow estimates the typical home value at $341,960, higher than the Census estimate. Monthly rent averages $930 (20% below the national average of $1,163). Fair market rent ranges from $1,082 for a one-bedroom to $1,313 for a two-bedroom apartment. 89.0% of housing units are owner-occupied (above the 65.4% national rate). There are 108 total housing units in the city. The median year a home was built is 1946. The average annual property tax is $1,933 (lower than the $3,500 national average). 31.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 5.4x, above the traditionally affordable threshold of 3-4x.
Home Values
| Census Median | $234,400 |
| 17% below US avg |
| Zillow ZHVI | $341,960 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $930 |
| 20% below US avg |
| Rent Burden | 31.5% |
HUD Fair Market Rent
| Studio | $981 |
| 1 Bedroom | $1,082 |
| 2 Bedrooms | $1,313 |
| 3 Bedrooms | $1,746 |
| 4 Bedrooms | $2,105 |
Ownership & Property
| Homeownership | 89.0% |
| Owner-Occupied | 89.0% |
| Renter-Occupied | 11.0% |
| Housing Units | 108 |
| Median Year Built | 1946 |
Property Tax
| Avg Tax (IRS) | $1,933 |
| 45% below US avg |
| Effective Rate | 0.82% |
In Meadow, 33.4% of adults are obese, above the national rate of 32.1%. 9.4% have diabetes. Heart disease affects 5.7% of residents. 29.6% have high blood pressure. 11.6% are current smokers. 11.5% report binge drinking. 21.5% are physically inactive. 27.6% report depression (above the 20.0% national average). 18.8% experience frequent mental distress. 9.5% of residents lack health insurance. 11.8% of residents have access to exercise opportunities. The food environment index is 2.3 out of 10.
Health Metrics: Meadow vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.4% |
| 4% above US avg |
| Diabetes | 9.4% |
| Heart Disease | 5.7% |
| High Blood Pressure | 29.6% |
| Asthma | 11.3% |
| COPD | 6.4% |
| Cancer | 7.9% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 11.6% |
| 17% below US avg |
| Binge Drinking | 11.5% |
| Physical Inactivity | 21.5% |
| Depression | 27.6% |
| Mental Distress | 18.8% |
| Physical Distress | 14.2% |
| Short Sleep | 31.7% |
Healthcare Access
| Insurance Rate | 93.0% |
| Uninsured | 9.5% |
| 10% above US avg |
| Mental Health | 1:221 |
| Checkup Rate | 71.8% |
| Dental Visits | 65.9% |
Food & Exercise
| Food Environment | 2.3/10 |
| Exercise Access | 11.8% |
Meadow has a violent crime rate of 79 per 100,000 residents, 79% below the national average of 380. Property crime stands at 3,772 per 100,000, 92% above the U.S. average. Overall, Meadow receives a safety grade of F.
Crime Rates: Meadow vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 79.4/100K |
| 79% below US avg |
| |
Property Crime
| Total Property | 3,772.3/100K |
| 92% above US avg |
Traffic Safety
| Traffic Accidents | 20 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Meadow experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 31°F in January while summers reach 79°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 15.5 inches (drier than the 38-inch national average). The area receives 79.7 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 4,856 feet.
Temperature
31°F Jan (-0°C)
79°F Jul (26°C)
| Annual Average | 53.7°F |
| 1% below US avg |
| January Average | 31°F (-0°C) |
| July Average | 79°F (26°C) |
| Sunny Days | 330 days/yr |
Geography
| Elevation | 4,856 ft (1,480 m) |
| Area | 0.5 sq mi (1.3 km²) |
| Population Density | 482/sq mi |
| Coordinates | 38.8862°N, 112.4071°W |
| Timezone | America/Denver |
| County | Piute County County |
| Nearest Airport | Cedar City Regional (CDC) 90 miles away |
Precipitation & Snow
Annual Rainfall
15.5"
59% below US avg
Wettest Month (Mar)
1.46"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 0.9 / 100 |
| Social Vulnerability | 31.0 / 100 |
| Community Resilience | 12.1 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
No Rating |
| Landslide |
Relatively Moderate |
| Volcano |
Very Low |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
842 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.6. Most recent: M2.6 on Jul 10, 2025.
| Apr 20, 1991 |
19 km SE of Minersville, Utah |
M4.6 |
96 km |
| Jan 3, 2011 |
10 km NW of Circleville, Utah |
M4.6 |
71 km |
| Jan 2, 1998 |
10 km ESE of Beaver, Utah |
M4.4 |
73 km |
| Jun 24, 1992 |
30 km WSW of Emery, Utah |
M4.3 |
75 km |
| Apr 17, 2003 |
6 km SSW of Levan, Utah |
M4.2 |
82 km |
| Jun 29, 1992 |
12 km WNW of Cedar City, Utah |
M4.2 |
146 km |
| Apr 12, 2012 |
16 km NNE of Bryce Canyon City, Utah |
M4.2 |
122 km |
| Jun 29, 1992 |
12 km WNW of Cedar City, Utah |
M4.2 |
149 km |
| Jul 19, 2001 |
31 km NNE of Fremont, Utah |
M4.2 |
77 km |
| Jun 29, 2014 |
6 km SE of Spring City, Utah |
M4.2 |
104 km |
| Oct 22, 1999 |
20 km SE of Minersville, Utah |
M4.1 |
93 km |
| Jul 4, 2015 |
Utah |
M4.1 |
116 km |
| Apr 14, 2019 |
28 km W of Kanosh, Utah |
M4.1 |
34 km |
| Feb 20, 2019 |
8 km SW of Kanosh, Utah |
M4.0 |
18 km |
| Sep 6, 1994 |
12 km SSW of Circleville, Utah |
M4.0 |
92 km |
| Feb 23, 2001 |
12 km SW of Kanosh, Utah |
M4.0 |
22 km |
| Jan 30, 1998 |
19 km NNW of Panguitch, Utah |
M4.0 |
101 km |
| Jan 6, 1996 |
15 km SE of Castle Dale, Utah |
M3.9 |
136 km |
| Jun 18, 1998 |
18 km NNW of Panguitch, Utah |
M3.9 |
101 km |
| Aug 18, 2007 |
35 km WSW of Minersville, Utah |
M3.9 |
119 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
19 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2. Total: 1 injury.
| Date |
Rating |
Distance |
Fatalities |
| Sep 8, 2002 |
EF2 |
80 km |
0 |
| Jun 16, 1955 |
EF2 |
63 km |
0 |
| Apr 19, 1970 |
EF1 |
36 km |
0 |
| Aug 28, 1964 |
EF1 |
58 km |
0 |
| Aug 7, 1957 |
EF1 |
47 km |
0 |
| May 24, 2009 |
EF0 |
82 km |
0 |
| Sep 12, 2002 |
EF0 |
89 km |
0 |
| Sep 8, 2002 |
EF0 |
58 km |
0 |
| Sep 4, 2001 |
EF0 |
76 km |
0 |
| May 28, 1996 |
EF0 |
43 km |
0 |
| May 21, 1992 |
EF0 |
78 km |
0 |
| Sep 7, 1991 |
EF0 |
68 km |
0 |
| Jun 7, 1989 |
EF0 |
36 km |
0 |
| Aug 19, 1984 |
EF0 |
67 km |
0 |
| Aug 15, 1984 |
EF0 |
75 km |
0 |
| May 3, 1982 |
EF0 |
55 km |
0 |
| Mar 29, 1982 |
EF0 |
59 km |
0 |
| Jun 16, 1967 |
EF0 |
99 km |
0 |
| Jun 16, 1955 |
EF0 |
63 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Nearby Volcanoes
2 volcanoes within 200 km.
Closest: Black Rock Desert (12 km).
| Name |
Type |
Elevation |
Last Eruption |
Distance |
| Black Rock Desert |
Volcanic field |
1,800 m (5,906 ft) |
1290 |
12 km |
| Markagunt Plateau |
Volcanic field |
2,840 m (9,318 ft) |
1050 |
147 km |
Source: Smithsonian Institution Global Volcanism Program (GVP). Sorted by distance.
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: MILFORD FLAT (348,772 ac, 2007).
| Year |
Name |
Acres |
Distance |
| 2007 |
MILFORD FLAT |
348,772 |
36 km |
| 1996 |
LEAMINGTON COMPLEX (WASH) |
161,203 |
99 km |
| 2012 |
CLAY SPRINGS |
107,391 |
62 km |
| 2020 |
CANAL |
74,897 |
75 km |
| 1999 |
RAILROAD |
64,598 |
94 km |
| 1996 |
SORENSON COMPLEX (SOUTH TWIN PEAKS) |
46,576 |
28 km |
| 2010 |
TWITCHELL CANYON |
42,956 |
47 km |
| 1986 |
TWINPEAKS |
34,633 |
21 km |
| 2006 |
DOG VALLEY |
28,992 |
26 km |
| 1996 |
LEAMINGTON COMPLEX (LEAMINGTON) |
28,159 |
70 km |
| 2020 |
ANTELOPE |
20,624 |
72 km |
| 1996 |
LEAMINGTON COMPLEX (EAST SAGE) |
18,360 |
90 km |
| 2012 |
GREASE |
16,155 |
59 km |
| 1996 |
ADELAIDE COMPLEX (ADALAIDE) |
15,638 |
16 km |
| 2005 |
WEST GILSON |
15,483 |
85 km |
| 2000 |
OLDROYD COMPLEX (BROAD) |
15,208 |
85 km |
| 1996 |
CUNNINGHAM |
14,866 |
54 km |
| 2006 |
DEVILS DEN |
13,680 |
59 km |
| 2007 |
GREENVILLE |
13,043 |
87 km |
| 1995 |
LAVA RIDGE |
12,391 |
30 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
31°F (-0°C) |
1.0 in |
|
| February |
34°F (1°C) |
0.9 in |
|
| March |
42°F (6°C) |
1.5 in |
Wettest |
| April |
49°F (9°C) |
1.4 in |
|
| May |
58°F (14°C) |
1.3 in |
|
| June |
68°F (20°C) |
0.6 in |
Driest |
| July |
79°F (26°C) |
0.8 in |
Warmest |
| August |
73°F (23°C) |
0.8 in |
|
| September |
64°F (18°C) |
0.9 in |
|
| October |
52°F (11°C) |
1.2 in |
|
| November |
39°F (4°C) |
1.1 in |
|
| December |
29°F (-2°C) |
0.9 in |
Coldest |
Meadow has a seasonal temperature swing of 50°F / from 29°F in December to 79°F in July. Total annual precipitation is 12.5 inches, with March being the wettest month (1.5") and June the driest (0.6").
Average costs for common services in Meadow. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$247 ($148–$396) |
| Specialist Visit |
$346 ($198–$544) |
| Urgent Care Visit |
$198 ($99–$346) |
| Emergency Room Visit |
$2,176 ($791–$4,945) |
| Dental Cleaning |
$129 ($74–$198) |
| Dental Filling |
$247 ($148–$396) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$74) |
| Oil Change (Synthetic) |
$74 ($49–$119) |
| Brake Pad Replacement |
$297 ($148–$495) |
| Tire Rotation |
$40 ($20–$74) |
| New Tires (Set of 4) |
$593 ($396–$989) |
| Battery Replacement |
$198 ($99–$346) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$99 ($59–$148) |
| Electrician (Per Hour) |
$89 ($49–$138) |
| HVAC Repair |
$396 ($148–$791) |
| HVAC System Install |
$6,923 ($3,956–$11,868) |
| Roof Repair |
$989 ($396–$1,978) |
| Roof Replacement |
$8,901 ($5,440–$14,835) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,484 ($495–$3,462) |
| Divorce (Contested) |
$14,835 ($4,945–$29,670) |
| DUI Defense |
$4,945 ($1,978–$9,890) |
| Bankruptcy (Chapter 7) |
$1,484 ($791–$2,967) |
| Will Preparation |
$495 ($198–$989) |
| Trust Preparation |
$2,473 ($989–$4,945) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$54 ($30–$99) |
| Hair Coloring (Full) |
$148 ($74–$247) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$64) |
| Massage (1 Hour) |
$79 ($49–$129) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.05 ($2.97–$5.44) |
| Dozen Eggs (per dozen) |
$3.46 ($2.47–$4.95) |
| Loaf of Bread |
$3.76 ($2.47–$5.44) |
| Chicken Breast (per lb) |
$4.45 ($2.97–$6.43) |
| Ground Beef (per lb) |
$5.44 ($3.96–$7.42) |
| Rice (per lb) |
$0.99 ($0.59–$1.78) |
View all 20 services
Utilities
| Electricity (Monthly) |
$138 ($79–$247) |
| Natural Gas (Monthly) |
$69 ($30–$148) |
| Water/Sewer (Monthly) |
$69 ($40–$119) |
| Internet (Monthly) |
$69 ($40–$99) |
| Cell Phone Plan (Monthly) |
$64 ($30–$99) |
| Cable TV (Monthly) |
$84 ($49–$148) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$198 ($74–$495) |
| Car Insurance (Annual) |
$1,978 ($1,187–$3,462) |
| Bus Pass (Monthly) |
$69 ($30–$129) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.91–$25) |
| Car Registration (Annual) |
$99 ($30–$247) |
| Driver's License Renewal |
$30 ($15–$74) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,187 ($593–$2,473) |
| Daycare (Toddler, Monthly) |
$989 ($495–$1,978) |
| After-School Care (Monthly) |
$396 ($198–$692) |
| Tutoring (Per Hour) |
$49 ($25–$99) |
| SAT/ACT Prep Course |
$989 ($396–$2,473) |
| Private School (K-12, Annual) |
$12,363 ($4,945–$29,670) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($30–$99) |
| Dog Vaccination (Annual) |
$99 ($49–$198) |
| Dog Grooming |
$59 ($30–$99) |
| Pet Boarding (Per Night) |
$40 ($20–$74) |
| Dog Spay/Neuter |
$297 ($148–$495) |
| Cat Spay/Neuter |
$198 ($99–$396) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $990 |
| Toddler | $811 |
| Preschool | $734 |
| Family Childcare (monthly) |
| Infant | $737 |
| Toddler | $676 |
| Preschool | $646 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Meadow
What is the population of Meadow?
Meadow has a population of 246 residents and is located in Utah. The population density is 482 people per square mile, spread across 0.5 square miles. The median age of residents is 43.7 years, which is older than the national median of 38.9 years. The population is 55.7% female and 44.3% male.
Is Meadow expensive to live in?
Meadow has a cost of living roughly in line with the national average, with an index of 98.9 (baseline: 100). The median household income is $43,750, 42% below the national average of $75,149. The median home value is $234,400 (17% below the U.S. median). Renters pay a median of $930 per month, below the national average of $1,163. The home price-to-income ratio is 5.4x, which means housing is a stretch relative to local earnings.
Is Meadow safe?
Meadow is considered a very safe city with a violent crime rate of 79 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 3,772 per 100,000 (above the national average). Overall, Meadow receives a safety grade of F based on combined crime data.
What is the weather like in Meadow?
Meadow 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 79°F in July. The area receives 330 sunny days per year, well above the national average of 205. Annual rainfall totals 15.5 inches, with 79.7 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Meadow?
Meadow has a healthy job market with an unemployment rate of 3.1%, near the national average of 3.6%. The average weekly wage is $691. There are 62 business establishments in the area, including 6 restaurants and food service locations. The average commute time is 17 minutes, and 7.1% of workers work from home.
How much does housing cost in Meadow?
The median home value in Meadow is $234,400. Zillow estimates the typical home value at $341,960. For renters, the median monthly rent is $930. Fair market rent is $1,082 for a 1-bedroom and $1,313 for a 2-bedroom apartment. The homeownership rate is 89.0%. The average annual property tax is $1,933.
How are the schools in Meadow?
Schools in Meadow score 5.7 out of 10 on standardized testing, near the national average. 21.1% of adults in Meadow hold a bachelor's degree or higher, below the national average of 33.7%. 98.8% have completed high school. 1.3% hold a graduate or professional degree.
How healthy is Meadow?
The obesity rate in Meadow is 33.4% (above the national rate of 32.1%). 11.6% of adults are smokers. 21.5% are physically inactive. 27.6% of residents report depression. 9.5% lack health insurance. 11.8% of residents have access to exercise opportunities.
What is transportation like in Meadow?
The average commute in Meadow is 17 minutes, shorter than the national average of 28 minutes. 87.8% of workers drive alone to work, and 7.1% work from home.
What are the demographics of Meadow?
The racial and ethnic makeup of Meadow is 95.1% White. 96.5% of residents speak only English at home, while 3.5% speak Spanish. 9.7% of the population are military veterans. 15.2% of residents have a disability. 93.0% have health insurance coverage.