Merwin, MO

Missouri

Merwin is a small town in Missouri with a population of 41. Residents earn $90,250 per year, which is 20% above the national average.

Sources: US Census Bureau ACS 2023 5-year estimates, FBI Crime Data Explorer 2024, NOAA, EPA. Updated August 2026

4.7 /5.0
A+ Excellent
41 Population 273/sq mi density
$90,250 Median Income $22,959 per capita
56°F Avg Temperature
A+
Overall
4.7 / 5.0
Excellent overall score based on economy, affordability, safety and education
A+
Economy
4.5 / 5.0
$90,250 median income, 4.3% unemployment
A+
Education
4.8 / 5.0
0.0% bachelor's degree or higher

Discover Merwin, MO

Explore over 40 sections covering people, economy, housing, health, crime, climate, community, costs, trends, schools, colleges, hospitals, treatment centers, industries, museums, libraries, breweries, farmers markets, grocery stores, pharmacies, campgrounds, parks, trails, stadiums, ski resorts, daycare centers, nursing homes, churches, fire stations, cell towers, bridges, power plants, EV stations, prisons, radio stations, airports, police stations, post offices, Amtrak stations, superfund sites, UNESCO sites, and more.
Use the tabs and dropdown menus below to navigate every data point we track for this city.

Full City Profile
Median Income $90,250
20% higher than US avg
Bachelor's+ 0.0%
100% lower than US avg
Obesity Rate 38.9%
21% higher than US avg
Unemployment 4.3%
19% higher than US avg
Poverty Rate 0.0%
100% lower than US avg

How Merwin Compares to the U.S. Average (100% = U.S. avg)

People

Population41
Median Age46.5 yrs
Density273/mi²
Male / Female76% / 24%
Largest GroupWhite 100%
Veterans0.0%

Economy

A+
Median Income$90,250
Per Capita$22,959
Unemployment4.3%
Poverty0.0%
Commute42 min

Housing

Ownership84.6%
Zillow$315,610
Housing Units34
Rent Burden27.9%

Health

Obesity38.9%
Uninsured0.0%
Smoking18.3%
Depression27.6%
Heart Disease5.8%

Climate

Avg Temp56°F (13°C)
Rain43.6 in/yr
Elevation925 ft (282 m)

Education

A+
Bachelor's+0.0%
High School+95.5%
Graduate+0.0%
School Score5.51

Community

2024 VoteR 77% / D 22%
Commute42 min
Broadband92.3%
EV Stations2

Is Merwin a Good Place to Live?

Based on current data, Merwin receives an overall livability score of 4.7 out of 5.0, earning a grade of A+. Key strengths include above-average household incomes, a low poverty rate, high health insurance coverage, strong internet connectivity. Areas to be aware of include long commute times, high obesity rates. Merwin stands out as an excellent place to live, with strong marks across most quality-of-life indicators.

Economy & Jobs

The median household income in Merwin is $90,250, 20% above the national average of $75,149. Residents generally enjoy above-average earning potential. Unemployment stands at 4.3%, indicating a healthy job market. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 42 minutes, longer than the typical American commute of 28 minutes.

Education

0.0% of residents hold a bachelor's degree, below the national average of 33.7%. 95.5% have completed high school. Area schools have an average test score of 5.5/10.

Climate & Weather

Merwin enjoys a moderate climate with an average annual temperature of 56°F. Winters average 30°F in January while summers reach 79°F in July. Annual precipitation totals 43.6 inches, including 9.5 inches of snow.

Merwin has a population of 41 with a density of 273 people per square mile, spread across 0.2 square miles. The median age is 46.5 years, 20% older than the national median of 38.9. The gender split is 24.4% female and 75.6% male. The city is predominantly White (100%). English is the primary language spoken at home by 100% of residents. 0.0% of the population are veterans, below the national rate of 6.0%. 4.9% of residents have a disability (below the 13.0% national average). 100.0% have health insurance coverage.

Population

41
Total Population
2023 Census
273
People / sq mi
46.5yrs
Median Age
20% above US avg
0.2mi²
Land Area

Gender Distribution

Male 75.6%
Female 24.4%

Race & Ethnicity

Merwin vs U.S. Average

Language Spoken at Home

English Only 100.0%
27% above US avg
Spanish 0.0%
100% below US avg

Social Characteristics

Merwin vs U.S. Average

The median household income in Merwin is $90,250, which is 20% above the national average of $75,149. Per capita income is $22,959 (below the $39,052 national figure). The unemployment rate is 4.3% (above the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The cost of living index is 90.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 42 minutes (longer than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).

Income: Merwin vs U.S.

Commute Mode

Income

Median HH Income$90,250
20% above US avg
Per Capita Income$22,959

Employment & Poverty

Unemployment4.3%
19% above US avg
Poverty Rate0.0%
100% below US avg

Business (County)

Tax & Cost of Living

Cost of Living90.80 (100=avg)

Commute & Transportation

Commute Time42.0 min
Drive Alone77.3%
Public Transit0.0%
Work from Home0.0%

Walkability

Zillow estimates the typical home value at $315,610. Fair market rent ranges from $775 for a one-bedroom to $970 for a two-bedroom apartment. 84.6% of housing units are owner-occupied (above the 65.4% national rate). There are 34 total housing units in the city. The median year a home was built is 1961. 27.9% of renters spend 30% or more of their income on housing.

Home Value Sources

Ownership Split

Home Values

Zillow ZHVI$315,610

Rental Costs

Rent Burden27.9%

HUD Fair Market Rent

Studio$732
1 Bedroom$775
2 Bedrooms$970
3 Bedrooms$1,265
4 Bedrooms$1,457

Ownership & Property

Homeownership84.6%
Owner-Occupied84.6%
Renter-Occupied15.4%
Housing Units34
Median Year Built1961

Property Tax

In Merwin, 38.9% of adults are obese, above the national rate of 32.1%. 9.8% have diabetes. Heart disease affects 5.8% of residents. 32.5% have high blood pressure. 18.3% are current smokers (above the 14.0% national rate). 18.0% report binge drinking. 28.4% are physically inactive. 27.6% report depression (above the 20.0% national average). 20.0% experience frequent mental distress. 0.0% of residents lack health insurance (below the 8.6% national rate).

Health Metrics: Merwin vs U.S. Average (%)

Chronic Conditions

Obesity38.9%
21% above US avg
Diabetes9.8%
Heart Disease5.8%
High Blood Pressure32.5%
Asthma11.2%
COPD7.6%
Cancer7.5%
Stroke3.1%

Behaviors & Mental Health

Smoking18.3%
31% above US avg
Binge Drinking18.0%
Physical Inactivity28.4%
Depression27.6%
Mental Distress20.0%
Physical Distress14.2%
Short Sleep40.7%

Healthcare Access

Insurance Rate100.0%
Uninsured0.0%
100% below US avg
Checkup Rate75.6%
Dental Visits53.9%

Food & Exercise

Merwin enjoys a temperate climate with an average annual temperature of 56°F (13°C). Winters average 30°F in January while summers reach 79°F in July. Annual precipitation totals 43.6 inches. The area receives 9.5 inches of snow annually. The city sits at an elevation of 925 feet.

Temperature

30°F Jan (-1°C) 79°F Jul (26°C)
Annual Average55.6°F
3% above US avg
January Average30°F (-1°C)
July Average79°F (26°C)

Geography

Elevation925 ft (282 m)
Area0.2 sq mi (0.4 km²)
Population Density273/sq mi
Coordinates38.4047°N, 94.5911°W
TimezoneAmerica/Chicago
Nearest AirportLawrence Regional (LWC)
54 miles away

Precipitation & Snow

Annual Rainfall 43.6"
15% above US avg
Snowfall 9.5"
Wettest Month (May) 6.26"
Driest Month (Jan) 1.61"

Air Quality

Earthquake History

5 earthquakes (M2.5+) within 150 km since 1990. Strongest: M3.3. Most recent: M2.6 on Apr 4, 2015.

May 18, 2005 Missouri M3.3 55 km
Mar 23, 2007 5 km N of Nortonville, Kansas M3.1 135 km
Mar 30, 2001 1 km SW of Hermitage, Missouri M3.1 122 km
May 13, 1999 6 km WSW of Kansas City, Kansas M3.0 78 km
Apr 4, 2015 3 km ESE of Clinton, Missouri M2.6 74 km
Source: USGS (M2.5+, 1990-2025)

Tornado History

510 tornadoes (EF0+) within 100 km since 1950. Strongest: EF5. Total: 84 fatalities, 606 injuries.

Date Rating Distance Fatalities
May 20, 1957 EF5 79 km 44
May 28, 2019 EF4 83 km 0
Feb 28, 2007 EF4 54 km 0
May 4, 2003 EF4 92 km 0
May 4, 2003 EF4 77 km 2
May 4, 1977 EF4 94 km 0
Apr 19, 1973 EF4 93 km 0
Jun 8, 1966 EF4 99 km 1
Apr 12, 1964 EF4 70 km 3
May 7, 1961 EF4 90 km 0
May 22, 1952 EF4 84 km 0
Mar 6, 2017 EF3 69 km 0
May 2, 2008 EF3 99 km 0
May 4, 2003 EF3 93 km 5
May 4, 1999 EF3 75 km 0
May 17, 1995 EF3 65 km 0
Mar 15, 1982 EF3 99 km 2
Mar 15, 1982 EF3 95 km 0
Jun 19, 1981 EF3 86 km 1
May 4, 1977 EF3 5 km 2
Source: NOAA SPC (EF0+, 1950-2024)

Wildfire History

15 wildfires (100+ acres) within 100 km. Largest: UNNAMED (2,089 ac, 2006).

Year Name Acres Distance
2006 UNNAMED 2,089 67 km
1991 UNNAMED 2,043 74 km
2005 NR STEELE 1,652 20 km
1988 UNNAMED 1,539 83 km
1996 UNNAMED 1,356 95 km
1996 UNNAMED 1,346 99 km
1996 UNNAMED 1,305 75 km
1994 UNNAMED 1,097 93 km
2006 GRAND 1,067 83 km
2005 UNNAMED 860 86 km
2000 UNNAMED 802 75 km
2006 SALT CREEK MARSH 720 82 km
1996 UNNAMED 636 78 km
1996 UNNAMED 624 73 km
1996 UNNAMED 515 89 km
Source: NIFC/IRWIN (100+ acres)

Monthly Weather

Month Avg Temperature Precipitation Summary
January 30°F (-1°C) 1.6 in Coldest, Driest
February 35°F (1°C) 2.0 in
March 45°F (7°C) 2.8 in
April 55°F (13°C) 4.6 in
May 65°F (19°C) 6.3 in Wettest
June 75°F (24°C) 5.6 in
July 79°F (26°C) 4.4 in Warmest
August 77°F (25°C) 3.8 in
September 69°F (21°C) 4.3 in
October 58°F (14°C) 3.5 in
November 45°F (7°C) 2.9 in
December 35°F (1°C) 2.1 in

Merwin has a seasonal temperature swing of 49°F / from 30°F in January to 79°F in July. Total annual precipitation is 43.6 inches, with May being the wettest month (6.3") and January the driest (1.6").

View full weather details →
0.0% of adults hold a bachelor's degree or higher, 100% below the national average of 33.7%. 95.5% have completed high school. 0.0% hold a graduate or professional degree (below the 13.1% national rate). Area schools have an average test score of 5.5 out of 10. In the 2024 presidential election, the county voted Republican with 76.6% of the vote, a 54.2-point margin. 92.3% of households have broadband internet access. The area has 2 EV charging stations. 77.3% of workers drive alone to work.

2024 Presidential Election (County)

R 76.6%
D 22.4%

Winner: Republican by 54.2 points

Safety & Disasters

Avg Accident Severity0.0 / 4.0

Education

Bachelor's Degree+0.0%
100% below US avg
High School+95.5%
Graduate Degree+0.0%
School Test Score5.51
A+ Education Grade (4.8/5.0)

Area & Infrastructure

Population Density273/sq mi
Total Area0.2 sq mi

Services

Broadband Access92.3%
EV Charging Stations2
Alt Fuel Stations4

Commute & Transportation

Avg Commute42.0 min
Drive Alone77.3%
Public Transit0.0%
Work from Home0.0%
Average costs for common services in Merwin. Prices are estimated based on regional cost of living data and may vary by provider.

Healthcare

Doctor Visit (Primary Care) $227 ($136-$363)
Specialist Visit $318 ($182-$499)
Urgent Care Visit $182 ($91-$318)
Emergency Room Visit $1,998 ($726-$4,540)
Dental Cleaning $118 ($68-$182)
Dental Filling $227 ($136-$363)
View all 40 services

Auto Repair

Oil Change (Conventional) $41 ($23-$68)
Oil Change (Synthetic) $68 ($45-$109)
Brake Pad Replacement $272 ($136-$454)
Tire Rotation $36 ($18-$68)
New Tires (Set of 4) $545 ($363-$908)
Battery Replacement $182 ($91-$318)
View all 18 services

Home Services

Plumber (Per Hour) $91 ($54-$136)
Electrician (Per Hour) $82 ($45-$127)
HVAC Repair $363 ($136-$726)
HVAC System Install $6,356 ($3,632-$10,896)
Roof Repair $908 ($363-$1,816)
Roof Replacement $8,172 ($4,994-$13,620)
View all 25 services

Legal

Divorce (Uncontested) $1,362 ($454-$3,178)
Divorce (Contested) $13,620 ($4,540-$27,240)
DUI Defense $4,540 ($1,816-$9,080)
Bankruptcy (Chapter 7) $1,362 ($726-$2,724)
Will Preparation $454 ($182-$908)
Trust Preparation $2,270 ($908-$4,540)
View all 12 services

Personal Care

Men's Haircut $23 ($14-$41)
Women's Haircut $50 ($27-$91)
Hair Coloring (Full) $136 ($68-$227)
Manicure $23 ($14-$41)
Pedicure $36 ($23-$59)
Massage (1 Hour) $73 ($45-$118)
View all 12 services

Food & Grocery

Gallon of Milk (per gallon) $3.72 ($2.72-$4.99)
Dozen Eggs (per dozen) $3.18 ($2.27-$4.54)
Loaf of Bread $3.45 ($2.27-$4.99)
Chicken Breast (per lb) $4.09 ($2.72-$5.90)
Ground Beef (per lb) $4.99 ($3.63-$6.81)
Rice (per lb) $0.91 ($0.54-$1.63)
View all 20 services

Utilities

Electricity (Monthly) $127 ($73-$227)
Natural Gas (Monthly) $64 ($27-$136)
Water/Sewer (Monthly) $64 ($36-$109)
Internet (Monthly) $64 ($36-$91)
Cell Phone Plan (Monthly) $59 ($27-$91)
Cable TV (Monthly) $77 ($45-$136)
View all 8 services

Transportation

Monthly Parking (Downtown) $182 ($68-$454)
Car Insurance (Annual) $1,816 ($1,090-$3,178)
Bus Pass (Monthly) $64 ($27-$118)
Taxi/Uber (5-Mile Ride) $14 ($7.26-$23)
Car Registration (Annual) $91 ($27-$227)
Driver's License Renewal $27 ($14-$68)
View all 8 services

Education & Childcare

Daycare (Infant, Monthly) $1,090 ($545-$2,270)
Daycare (Toddler, Monthly) $908 ($454-$1,816)
After-School Care (Monthly) $363 ($182-$636)
Tutoring (Per Hour) $45 ($23-$91)
SAT/ACT Prep Course $908 ($363-$2,270)
Private School (K-12, Annual) $11,350 ($4,540-$27,240)
View all 8 services

Pets

Vet Visit (Routine Checkup) $54 ($27-$91)
Dog Vaccination (Annual) $91 ($45-$182)
Dog Grooming $54 ($27-$91)
Pet Boarding (Per Night) $36 ($18-$68)
Dog Spay/Neuter $272 ($136-$454)
Cat Spay/Neuter $182 ($91-$363)
View all 9 services

Radio Stations near Merwin

2 stations within ~55 km.

Station Genre Quality
102.5 Jack FM - MP3 80 kbps
Eternity Ready Radio - MP3 192 kbps

Campgrounds Near Merwin

1 campgrounds found near Merwin.

NameRatingSitesPrice
Hillsdale Lake Visitor Center - 1 $45

National Parks Near Merwin

11 national parks and monuments found near Merwin.

ParkTypeFee
Crawford Fishing Lake Number One State Park Free
Crawford State Park State Park Free
Crawford State Park Lake State Park Free
Fort Scott National Historic Site National Historic Site Free
Harry S Truman National Historic Site National Historic Site Free
Hillsdale State Park State Park Free
Knob Noster State Park State Park Free
Perry State Park State Park Free
Prairie State Park State Park Free
Stockton State Park State Park Free
Weston Bend State Park State Park Free

Museums in Merwin

NameTypeAddressPhoneAnnual Revenue
CASS COUNTY HISTORICAL SOCIETYHISTORIC PRESERVATION400 EAST MECHANIC STREET SUITE 2038163804396$117,057
CEDAR COVE FELINE CONSERVATION PARKZOO, AQUARIUM, OR WILDLIFE CONSERVATION$101,339
LACYGNE HISTORICAL SOCIETYHISTORIC PRESERVATION300 N BROADWAY ST9137574788
LINN COUNTY HISTORICAL SOCIETYHISTORIC PRESERVATION307 EAST PARK STREET9133528739
LOUISBURG HISTORICAL SOCIETYHISTORIC PRESERVATION
MIAMI COUNTY ANTIQUE TRACTOR AND GAS ENGINE ASSOCIATIONSCIENCE & TECHNOLOGY MUSEUM OR PLANETARIUM9134854222
MINE CREEK BATTLEFIELD SHSGENERAL MUSEUM9133528890

Libraries in Merwin

NameAddressStaffAnnual VisitsCirculationCollectionPrograms
CASS COUNTY PUBLIC LIBRARY400 E MECHANIC ST0.0350,720
LIBRARY DISTRICT #1, MIAMI COUNTY206 S. BROADWAY ST.0.046,500
LIBRARY DISTRICT #2 , LINN COUNTY209 N. BROADWAY0.033,650
LINN COUNTY LIBRARY DISTRICT #5752 MAIN STREET0.015,933

Farmers Markets in Merwin

NameAddressSeasonHoursOrganicWebsite
Harrisonville Farmer's Market on the Square102 E Wall Street06/03/2017 to 09/30/2017Sat: 8:00 AM-12:00 PM;

Cell Towers in Merwin

AddressStructure TypeHeight (ft)
16996 E 1850 ROADTOWER130
SW1/4 SE1/4 Section 21, Township 42 N, Range 33 WTOWER118
ROUTE 2 HIGHWAY 18 AND 71 (77239)GTOWER79
ROUTE 2 HIGHWAY 18 AND 71 (77239)GTOWER79
27102 SR D (110115)LTOWER78
Route 3, Box 490TOWER76
7413 East 271 Street (111759)LTOWER70
22412 E. 2400 RoadTOWER61
804 WEST MILL STREET (79311)MTOWER48

Bridges in Merwin

LocationTypeKindYear BuiltLength (ft)Daily TrafficCondition
Stringer/Multi-beamSteel continuous1960113727F
CulvertConcrete continuous195525616F
Box Beam (Multiple)Prestressed concrete201275425G
Box Beam (Multiple)Prestressed concrete201290425F
CulvertConcrete continuous193525425F
CulvertConcrete continuous193522425P
CulvertConcrete continuous193520406F
Truss (Thru)Steel196210495P
Tee BeamPrestressed concrete199910250G
Tee BeamPrestressed concrete19779745G
Stringer/Multi-beamSteel19942330F
CulvertConcrete continuous20133130G
Stringer/Multi-beamSteel19503425F
CulvertConcrete continuous20063225F

Airports Near Merwin

50 airports within the area.

AirportIATAType
Charles B. Wheeler Downtown AirportMKCMedium Airport
Albright Airport-Small Airport
Amar Farms Airport-Small Airport
Angle Bar M Airport-Small Airport
Arrowhead Airpark-Small Airport
Belleair Airport-Small Airport
Bishop's Landing Airport-Small Airport
Bland Airport-Small Airport
Bob White Airport-Small Airport
Breckenridge Airport-Small Airport
Brownsberger Airport-Small Airport
Butell Farms Airport-Small Airport
Butler Memorial AirportBUMSmall Airport
Cedar Air Park-Small Airport
Chiles Airpark-Small Airport
Cochran Airport-Small Airport
Coffman Airport-Small Airport
Crosswind Airfield-Small Airport
Dempsey Farm Airport-Small Airport
East Kansas City Airport-Small Airport
El Dorado Springs Memorial Airport-Small Airport
Emmerson Airport-Small Airport
Ensminger Airport-Small Airport
Ferros Ranch-Aero Airport-Small Airport
Fletcher Field-Small Airport
Flory Private Airport-Small Airport
Flying G Airport-Small Airport
Flying M Ranch Ultralight Flightpark-Small Airport
Flying Z Ranch Airport-Small Airport
Fort Scott Municipal AirportFSKSmall Airport
Fox Fire Airport-Small Airport
Foxtrot Field Ultralight Flightpark-Small Airport
Friends Field-Small Airport
G & S Space Port Airport-Small Airport
Gardner Municipal Airport-Small Airport
Garnett Municipal Airport-Small Airport
Gjerde International Airport-Small Airport
Goans Field-Small Airport
Greg Post Farms Airport-Small Airport
Harrod Airport-Small Airport
Harry S Truman Regional Airport-Small Airport
Hartland Airport-Small Airport
Hayden Farm Airport-Small Airport
Hermon Farm Airport-Small Airport
Highland Farm Airport-Small Airport
Hillside Airport-Small Airport
Hilltop Airport-Small Airport
Hoelting Airport-Small Airport
Ingels Aerodrome-Small Airport
Inter-State Airport-Small Airport

Police Stations in Merwin

9 police stations.

StationAddressPhone
Cass County Sheriff's Office2501 West Mechanic Street
Drexel Police Station
Kansas Highway Patrol Troop A - Miami
La Cygne Police Department
Linn Valley Police
Louisburg Police Station209 South Metcalf Road
Pleasanton Police Department
Scalehouse
Scalehouse

Treatment Centers in Merwin

4 treatment centers.

CenterTypePhone
Comm Mental Health Consultants Inc - Fast Comprehensive CareBoth816-380-4010
Compass HealthBoth660-442-1054
Gold Bridge Treatment CenterSubstance Abuse913-837-4653
Southeast Kansas Mental Health CenterBoth620-365-5717

Explore Near Merwin

Mines
1
Active and inactive mining sites tracked by the Mine Safety and Health Administration
View all →

Mines Near Merwin

1 mining sites from the Mine Safety and Health Administration (MSHA) found near Merwin.

Name Description
HSS Q Portable Plant 1 Crushed, Broken Stone NEC - Surface (Active)

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Frequently Asked Questions About Merwin

What is the population of Merwin?

Merwin has a population of 41 residents and is located in Missouri. The population density is 273 people per square mile, spread across 0.2 square miles. The median age of residents is 46.5 years, which is older than the national median of 38.9 years. The population is 24.4% female and 75.6% male.

Is Merwin expensive to live in?

Merwin is more affordable than the national average, with a cost of living index of 90.8 / below the baseline of 100. The median household income is $90,250, 20% above the national average of $75,149.

What is the weather like in Merwin?

Merwin enjoys a temperate climate with an average annual temperature of 56°F (13°C). Winter temperatures average 30°F in January, while summers reach an average of 79°F in July. Annual rainfall totals 43.6 inches, with 9.5 inches of snow.

How is the job market in Merwin?

Merwin has a healthy job market with an unemployment rate of 4.3%, near the national average of 3.6%. The average commute time is 42 minutes, and 0.0% of workers work from home.

How are the schools in Merwin?

Schools in Merwin score 5.5 out of 10 on standardized testing, near the national average. 0.0% of adults in Merwin hold a bachelor's degree or higher, below the national average of 33.7%. 95.5% have completed high school. 0.0% hold a graduate or professional degree.

How healthy is Merwin?

The obesity rate in Merwin is 38.9% (above the national rate of 32.1%). 18.3% of adults are smokers. 28.4% are physically inactive. 27.6% of residents report depression. 0.0% lack health insurance (below the national rate).

What is transportation like in Merwin?

The average commute in Merwin is 42 minutes, longer than the national average of 28 minutes. 77.3% of workers drive alone to work, and 0.0% work from home.

What are the demographics of Merwin?

The racial and ethnic makeup of Merwin is 100% White. 100% of residents speak only English at home. 0.0% of the population are military veterans. 4.9% of residents have a disability. 100.0% have health insurance coverage.

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