Median Income
$53,393
29% lower than US avg
Home Value
$56,100
80% lower than US avg
Violent Crime
338/100K
11% lower than US avg
Bachelor's+
15.8%
53% lower than US avg
Obesity Rate
41.4%
29% higher than US avg
Unemployment
2.1%
42% lower than US avg
Poverty Rate
15.0%
21% higher than US avg
How O'Kean Compares to the U.S. Average (100% = U.S. avg)
People
Population164
Median Age51.9 yrs
Density161/mi²
Male / Female59% / 41%
Largest GroupWhite 93%
Veterans11.0%
Economy
B+
Median Income$53,393
Per Capita$31,584
Unemployment2.1%
Poverty15.0%
County GDP$2,021M
Commute17 min
Housing
A+
Home Value$56,100
Ownership78.9%
Zillow$136,513
Housing Units77
Rent Burden27.6%
Crime
F
Violent338/100K
Property1,964/100K
Health
Obesity41.4%
Uninsured12.4%
Smoking20.5%
Depression29.4%
Heart Disease7.5%
Climate
Avg Temp59°F (15°C)
AQI43 (Good)
Rain51.5 in/yr
Sunny Days299/yr
Elevation271 ft (83 m)
Education
C
Bachelor's+15.8%
High School+80.1%
Graduate+4.6%
School Score4.91
Community
2024 VoteR 80% / D 19%
Commute17 min
Broadband57.0%
EV Stations2
Libraries1
Is O'Kean a Good Place to Live?
Based on current data, O'Kean receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include a high uninsured rate, below-average incomes, high obesity rates. O'Kean offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in O'Kean is $53,393, 29% below the national average of $75,149. The job market is very strong with unemployment at just 2.1%. The poverty rate of 15.0% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 17 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in O'Kean is $56,100, 80% below the national median / offering relatively affordable homeownership. At just 1.1x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in O'Kean is below the national average at 338 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,964 per 100,000, near the national average.
Education
15.8% of residents hold a bachelor's degree, below the national average of 33.7%. 80.1% have completed high school. Area schools have an average test score of 4.9/10.
Climate & Weather
O'Kean enjoys a moderate climate with an average annual temperature of 59°F. Winters average 36°F in January while summers reach 80°F in July. With 299 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 51.5 inches, including 6.3 inches of snow. Air quality is rated Good with a median AQI of 43.
O'Kean has a population of 164 with a density of 161 people per square mile, spread across 1.0 square miles. The median age is 51.9 years, 33% older than the national median of 38.9. The gender split is 40.9% female and 59.1% male. The city is predominantly White (92.7%), with 1.2% Hispanic. English is the primary language spoken at home by 100% of residents. 11.0% of the population are veterans, above the national rate of 6.0%. 27.5% of residents have a disability (above the 13.0% national average). 96.6% have health insurance coverage.
Population
51.9yrs
Median Age
33% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in O'Kean is $53,393, which is 29% below the national average of $75,149. Per capita income is $31,584 (below the $39,052 national figure). The average weekly wage is $913, 36% lower than the U.S. average. The unemployment rate is 2.1% (below the 3.6% US average). 15.0% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 949 business establishments, including 78 restaurants. The cost of living index is 86.9, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 17 minutes (shorter than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $53,393 |
| 29% below US avg |
| Per Capita Income | $31,584 |
| Avg Weekly Wage | $913 |
| IRS Avg AGI | $58,053 |
| Gini Index | 0.428 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.1% |
| 42% below US avg |
| Poverty Rate | 15.0% |
| 21% above US avg |
| Establishments (County) | 949 |
| County GDP | $2,021M |
Business (County)
| Restaurants | 78 |
| Healthcare | 104 |
| Retail | 157 |
| Manufacturing | 47 |
Tax & Cost of Living
| Property Tax (IRS) | $2,485 |
| 29% below US avg |
| Cost of Living | 86.90 (100=avg) |
| Effective Tax Rate | 4.43% |
Commute & Transportation
| Commute Time | 16.5 min |
| Drive Alone | 80.3% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in O'Kean is $56,100, 80% below the national median of $281,900. Zillow estimates the typical home value at $136,513, higher than the Census estimate. Fair market rent ranges from $751 for a one-bedroom to $944 for a two-bedroom apartment. 78.9% of housing units are owner-occupied (above the 65.4% national rate). There are 77 total housing units in the city. The median year a home was built is 1974. The average annual property tax is $2,485 (lower than the $3,500 national average). 27.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.1x, well within the affordable range.
Home Values
| Census Median | $56,100 |
| 80% below US avg |
| Zillow ZHVI | $136,513 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $700 |
| 1 Bedroom | $751 |
| 2 Bedrooms | $944 |
| 3 Bedrooms | $1,239 |
| 4 Bedrooms | $1,406 |
Ownership & Property
| Homeownership | 78.9% |
| Owner-Occupied | 78.9% |
| Renter-Occupied | 21.1% |
| Housing Units | 77 |
| Median Year Built | 1974 |
Property Tax
| Avg Tax (IRS) | $2,485 |
| 29% below US avg |
| Effective Rate | 4.43% |
In O'Kean, 41.4% of adults are obese, above the national rate of 32.1%. 12.2% have diabetes (above the 10.5% national rate). Heart disease affects 7.5% of residents, above the national average. 38.1% have high blood pressure. 20.5% are current smokers (above the 14.0% national rate). 15.5% report binge drinking. 36.4% are physically inactive, above the national average. 29.4% report depression (above the 20.0% national average). 22.7% experience frequent mental distress. 12.4% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:2,014. The dentist ratio is 1:3,097. 69.1% of residents have access to exercise opportunities. The food environment index is 6.4 out of 10.
Health Metrics: O'Kean vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.4% |
| 29% above US avg |
| Diabetes | 12.2% |
| Heart Disease | 7.5% |
| High Blood Pressure | 38.1% |
| Asthma | 11.4% |
| COPD | 9.5% |
| Cancer | 7.3% |
| Stroke | 3.8% |
Behaviors & Mental Health
| Smoking | 20.5% |
| 46% above US avg |
| Binge Drinking | 15.5% |
| Physical Inactivity | 36.4% |
| Depression | 29.4% |
| Mental Distress | 22.7% |
| Physical Distress | 17.4% |
| Short Sleep | 38.4% |
Healthcare Access
| Insurance Rate | 96.6% |
| Uninsured | 12.4% |
| 44% above US avg |
| Primary Care | 1:2,014 |
| Dentists | 1:3,097 |
| Mental Health | 1:417 |
| Checkup Rate | 76.4% |
| Dental Visits | 51.5% |
| Premature Death | 10,847/100K |
Food & Exercise
| Food Environment | 6.4/10 |
| Exercise Access | 69.1% |
| Healthcare Facilities | 104 |
O'Kean has a violent crime rate of 338 per 100,000 residents, 11% below the national average of 380. Property crime stands at 1,964 per 100,000, 0% below the U.S. average. The county recorded 7 fatal traffic crashes. Overall, O'Kean receives a safety grade of F.
Crime Rates: O'Kean vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 337.9/100K |
| 11% below US avg |
| |
Property Crime
| Total Property | 1,964.1/100K |
| 0% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 7 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
O'Kean enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winters average 36°F in January while summers reach 80°F in July. The area gets 299 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 51.5 inches (wetter than the 38-inch national average). The area receives 6.3 inches of snow annually. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 271 feet.
Temperature
36°F Jan (2°C)
80°F Jul (26°C)
| Annual Average | 58.5°F |
| 8% above US avg |
| January Average | 36°F (2°C) |
| July Average | 80°F (26°C) |
| Sunny Days | 299 days/yr |
Geography
| Elevation | 271 ft (83 m) |
| Area | 1.0 sq mi (2.6 km²) |
| Population Density | 161/sq mi |
| Coordinates | 36.1715°N, 90.8183°W |
| Timezone | America/Chicago |
| County | Greene County County |
| Nearest Airport | Walnut Ridge Regional (ARG)
7 miles away |
Precipitation & Snow
Annual Rainfall
51.5"
35% above US avg
Wettest Month (Nov)
5.12"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 80.2 / 100 |
| Social Vulnerability | 67.2 / 100 |
| Community Resilience | 30.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Moderate |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Very High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
386 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.5. Most recent: M3.1 on Aug 1, 2025.
| May 4, 1991 |
2 km NNW of Risco, Missouri |
M4.5 |
100 km |
| May 1, 2005 |
5 km SSE of Manila, Arkansas |
M4.2 |
71 km |
| Feb 10, 2005 |
3 km NNW of Etowah, Arkansas |
M4.1 |
69 km |
| Jun 2, 2005 |
12 km S of Ridgely, Tennessee |
M4.0 |
121 km |
| Apr 30, 2003 |
1 km N of Blytheville, Arkansas |
M4.0 |
85 km |
| Oct 21, 1999 |
9 km NW of Maynard, Arkansas |
M3.9 |
37 km |
| Jul 7, 1991 |
11 km ENE of Brandsville, Missouri |
M3.9 |
88 km |
| Feb 21, 2012 |
4 km SSE of Bertrand, Missouri |
M3.9 |
147 km |
| Aug 22, 2000 |
19 km WNW of Maynard, Arkansas |
M3.9 |
42 km |
| Oct 29, 2012 |
8 km SW of Parkin, Arkansas |
M3.9 |
109 km |
| Nov 29, 1996 |
1 km W of Blytheville, Arkansas |
M3.8 |
84 km |
| May 16, 2024 |
6 km S of Ridgely, Tennessee |
M3.8 |
120 km |
| Sep 17, 1997 |
2 km E of Trumann, Arkansas |
M3.8 |
63 km |
| Jun 4, 2014 |
3 km ESE of Fairfield Bay, Arkansas |
M3.8 |
144 km |
| Feb 23, 2013 |
7 km SW of Trumann, Arkansas |
M3.7 |
65 km |
| Mar 2, 2010 |
2 km ENE of East Prairie, Missouri |
M3.7 |
148 km |
| Aug 16, 2003 |
5 km W of Thomasville, Missouri |
M3.7 |
98 km |
| Sep 12, 2019 |
13 km N of Big Flat, Arkansas |
M3.7 |
143 km |
| Apr 24, 2019 |
12 km NNW of Dyersburg, Tennessee |
M3.7 |
124 km |
| Oct 15, 2017 |
6 km SE of Manila, Arkansas |
M3.6 |
73 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
514 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 114 fatalities, 1,362 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Dec 10, 2021 |
EF4 |
49 km |
8 |
| Apr 24, 2002 |
EF4 |
94 km |
0 |
| Jan 21, 1999 |
EF4 |
27 km |
0 |
| Apr 16, 1998 |
EF4 |
67 km |
2 |
| Mar 1, 1997 |
EF4 |
73 km |
0 |
| Mar 15, 1984 |
EF4 |
86 km |
5 |
| Dec 24, 1982 |
EF4 |
72 km |
0 |
| Apr 22, 1981 |
EF4 |
60 km |
1 |
| May 15, 1968 |
EF4 |
83 km |
7 |
| May 15, 1968 |
EF4 |
59 km |
35 |
| May 21, 1957 |
EF4 |
92 km |
7 |
| Mar 21, 1952 |
EF4 |
85 km |
4 |
| Mar 21, 1952 |
EF4 |
91 km |
17 |
| Mar 28, 2020 |
EF3 |
42 km |
0 |
| Feb 29, 2012 |
EF3 |
99 km |
1 |
| May 25, 2011 |
EF3 |
72 km |
0 |
| Apr 30, 2010 |
EF3 |
90 km |
0 |
| Apr 2, 2006 |
EF3 |
15 km |
2 |
| Jan 21, 1999 |
EF3 |
80 km |
0 |
| Mar 1, 1997 |
EF3 |
90 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Tsunami History
1 tsunami recorded within 500 km.
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1811 |
AR: NE - NEW MADRID EARTHQUAKES |
Eruption + Earthquake |
— |
— |
74 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: HANDY (12,818 ac, 2012).
| Year |
Name |
Acres |
Distance |
| 2012 |
HANDY |
12,818 |
82 km |
| 2011 |
UNNAMED |
9,641 |
74 km |
| 2022 |
CEDAR BLUFF |
9,617 |
80 km |
| 2020 |
BIG BARREN CREEK |
8,150 |
86 km |
| 2010 |
WYLIE KING 1 |
6,077 |
84 km |
| 2024 |
BRIDGES RX |
4,781 |
71 km |
| 2021 |
MILLER KING |
4,130 |
86 km |
| 2013 |
UNNAMED |
3,313 |
87 km |
| 2021 |
VICTORY 1-7 |
3,237 |
82 km |
| 2024 |
WOLF MOUNTAIN RX |
3,140 |
59 km |
| 1988 |
HANES 1 |
3,139 |
87 km |
| 2011 |
MUD POND |
3,030 |
95 km |
| 2005 |
WOLF MTN |
2,801 |
57 km |
| 2021 |
FREMONT PINEKNOT A |
2,506 |
95 km |
| 2024 |
BEAR PEN RX |
2,302 |
83 km |
| 2022 |
HODO 4 |
1,859 |
72 km |
| 2006 |
UNNAMED |
1,783 |
59 km |
| 2010 |
CHILTON SOUTH RX |
1,649 |
85 km |
| 1988 |
HIGH HILL 2 |
1,534 |
90 km |
| 2024 |
ESSMAN SPRING RX |
1,495 |
86 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
36°F (2°C) |
3.4 in |
Coldest |
| February |
40°F (5°C) |
3.6 in |
|
| March |
49°F (10°C) |
5.0 in |
|
| April |
59°F (15°C) |
4.7 in |
|
| May |
68°F (20°C) |
4.9 in |
|
| June |
76°F (25°C) |
3.3 in |
|
| July |
80°F (26°C) |
3.3 in |
Warmest, Driest |
| August |
78°F (26°C) |
3.3 in |
|
| September |
71°F (22°C) |
3.7 in |
|
| October |
60°F (16°C) |
3.5 in |
|
| November |
49°F (9°C) |
5.1 in |
Wettest |
| December |
40°F (4°C) |
4.5 in |
|
O'Kean has a seasonal temperature swing of 44°F / from 36°F in January to 80°F in July. Total annual precipitation is 48.3 inches, with November being the wettest month (5.1") and July the driest (3.3").
Average costs for common services in O'Kean. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$217 ($130–$348) |
| Specialist Visit |
$304 ($174–$478) |
| Urgent Care Visit |
$174 ($87–$304) |
| Emergency Room Visit |
$1,912 ($695–$4,345) |
| Dental Cleaning |
$113 ($65–$174) |
| Dental Filling |
$217 ($130–$348) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$39 ($22–$65) |
| Oil Change (Synthetic) |
$65 ($43–$104) |
| Brake Pad Replacement |
$261 ($130–$435) |
| Tire Rotation |
$35 ($17–$65) |
| New Tires (Set of 4) |
$521 ($348–$869) |
| Battery Replacement |
$174 ($87–$304) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$87 ($52–$130) |
| Electrician (Per Hour) |
$78 ($43–$122) |
| HVAC Repair |
$348 ($130–$695) |
| HVAC System Install |
$6,083 ($3,476–$10,428) |
| Roof Repair |
$869 ($348–$1,738) |
| Roof Replacement |
$7,821 ($4,780–$13,035) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,304 ($435–$3,042) |
| Divorce (Contested) |
$13,035 ($4,345–$26,070) |
| DUI Defense |
$4,345 ($1,738–$8,690) |
| Bankruptcy (Chapter 7) |
$1,304 ($695–$2,607) |
| Will Preparation |
$435 ($174–$869) |
| Trust Preparation |
$2,173 ($869–$4,345) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$39) |
| Women's Haircut |
$48 ($26–$87) |
| Hair Coloring (Full) |
$130 ($65–$217) |
| Manicure |
$22 ($13–$39) |
| Pedicure |
$35 ($22–$56) |
| Massage (1 Hour) |
$70 ($43–$113) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.56 ($2.61–$4.78) |
| Dozen Eggs (per dozen) |
$3.04 ($2.17–$4.35) |
| Loaf of Bread |
$3.30 ($2.17–$4.78) |
| Chicken Breast (per lb) |
$3.91 ($2.61–$5.65) |
| Ground Beef (per lb) |
$4.78 ($3.48–$6.52) |
| Rice (per lb) |
$0.87 ($0.52–$1.56) |
View all 20 services
Utilities
| Electricity (Monthly) |
$122 ($70–$217) |
| Natural Gas (Monthly) |
$61 ($26–$130) |
| Water/Sewer (Monthly) |
$61 ($35–$104) |
| Internet (Monthly) |
$61 ($35–$87) |
| Cell Phone Plan (Monthly) |
$56 ($26–$87) |
| Cable TV (Monthly) |
$74 ($43–$130) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$174 ($65–$435) |
| Car Insurance (Annual) |
$1,738 ($1,043–$3,042) |
| Bus Pass (Monthly) |
$61 ($26–$113) |
| Taxi/Uber (5-Mile Ride) |
$13 ($6.95–$22) |
| Car Registration (Annual) |
$87 ($26–$217) |
| Driver's License Renewal |
$26 ($13–$65) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,043 ($521–$2,173) |
| Daycare (Toddler, Monthly) |
$869 ($435–$1,738) |
| After-School Care (Monthly) |
$348 ($174–$608) |
| Tutoring (Per Hour) |
$43 ($22–$87) |
| SAT/ACT Prep Course |
$869 ($348–$2,173) |
| Private School (K-12, Annual) |
$10,863 ($4,345–$26,070) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$52 ($26–$87) |
| Dog Vaccination (Annual) |
$87 ($43–$174) |
| Dog Grooming |
$52 ($26–$87) |
| Pet Boarding (Per Night) |
$35 ($17–$65) |
| Dog Spay/Neuter |
$261 ($130–$435) |
| Cat Spay/Neuter |
$174 ($87–$348) |
View all 9 services
Frequently Asked Questions About O'Kean
What is the population of O'Kean?
O'Kean has a population of 164 residents and is located in Arkansas. The population density is 161 people per square mile, spread across 1.0 square miles. The median age of residents is 51.9 years, which is older than the national median of 38.9 years. The population is 40.9% female and 59.1% male.
Is O'Kean expensive to live in?
O'Kean is more affordable than the national average, with a cost of living index of 86.9 / below the baseline of 100. The median household income is $53,393, 29% below the national average of $75,149. The median home value is $56,100 (80% below the U.S. median). The home price-to-income ratio is 1.1x, indicating housing is reasonably affordable relative to local income levels.
Is O'Kean safe?
O'Kean is safer than the national average, with a violent crime rate of 338 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,964 per 100,000 (below the national average). Overall, O'Kean receives a safety grade of F based on combined crime data.
What is the weather like in O'Kean?
O'Kean enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winter temperatures average 36°F in January, while summers reach an average of 80°F in July. The area receives 299 sunny days per year, well above the national average of 205. Annual rainfall totals 51.5 inches, with 6.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in O'Kean?
The job market in O'Kean is very strong, with unemployment at just 2.1% / well below the national rate of 3.6%. The average weekly wage is $913. There are 949 business establishments in the area, including 78 restaurants and food service locations. The average commute time is 17 minutes, and 0.0% of workers work from home.
How much does housing cost in O'Kean?
The median home value in O'Kean is $56,100. Zillow estimates the typical home value at $136,513. The homeownership rate is 78.9%. The average annual property tax is $2,485.
How are the schools in O'Kean?
Schools in O'Kean have an average test score of 4.9 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 15.8% of adults in O'Kean hold a bachelor's degree or higher, below the national average of 33.7%. 80.1% have completed high school. 4.6% hold a graduate or professional degree.
How healthy is O'Kean?
The obesity rate in O'Kean is 41.4% (above the national rate of 32.1%). 20.5% of adults are smokers. 36.4% are physically inactive. 29.4% of residents report depression. 12.4% lack health insurance (above the national rate). 69.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,014.
What is transportation like in O'Kean?
The average commute in O'Kean is 17 minutes, shorter than the national average of 28 minutes. 80.3% of workers drive alone to work, and 0.0% work from home.
What are the demographics of O'Kean?
The racial and ethnic makeup of O'Kean is 92.7% White, 1.2% Hispanic or Latino. 100% of residents speak only English at home. 11.0% of the population are military veterans. 27.5% of residents have a disability. 96.6% have health insurance coverage.
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