Median Income
$29,219
61% lower than US avg
Home Value
$92,000
67% lower than US avg
Violent Crime
683/100K
80% higher than US avg
Bachelor's+
8.5%
75% lower than US avg
Median Rent
$663
43% lower than US avg
Obesity Rate
36.2%
13% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
20.0%
61% higher than US avg
How Waterloo Compares to the U.S. Average (100% = U.S. avg)
People
Population92
Median Age60.0 yrs
Density123/mi²
Male / Female45% / 55%
Largest GroupWhite 99%
Veterans84.0%
Economy
C+
Median Income$29,219
Per Capita$33,091
Unemployment0.0%
Poverty20.0%
County GDP$767M
Commute24 min
Housing
A+
Home Value$92,000
Rent$663
Ownership87.7%
Zillow$186,551
Housing Units116
Rent Burden33.8%
Crime
F
Violent683/100K
Property2,537/100K
Health
Obesity36.2%
Uninsured10.5%
Smoking18.2%
Depression27.1%
Heart Disease6.5%
Climate
Avg Temp59°F (15°C)
AQI41 (Good)
Rain62.3 in/yr
Sunny Days302/yr
Elevation452 ft (138 m)
Education
D
Bachelor's+8.5%
High School+78.0%
Graduate+3.5%
School Score4.40
Community
2024 VoteR 89% / D 10%
Commute24 min
Broadband57.0%
EV Stations7
Libraries4
Is Waterloo a Good Place to Live?
Based on current data, Waterloo receives an overall livability score of 2.6 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, below-average incomes. Waterloo has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Waterloo is $29,219, 61% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. The poverty rate of 20.0% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in Waterloo is $92,000, 67% below the national median / offering relatively affordable homeownership. Renters pay a median of $663 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.1x indicates a reasonably affordable housing market.
Safety & Crime
With 683 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 2,537 per 100,000, 29% above the national average.
Education
8.5% of residents hold a bachelor's degree, below the national average of 33.7%. 78.0% have completed high school. Area schools have an average test score of 4.4/10.
Climate & Weather
Waterloo enjoys a moderate climate with an average annual temperature of 59°F. Winters average 39°F in January while summers reach 78°F in July. With 302 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 62.3 inches. Air quality is rated Good with a median AQI of 41.
Waterloo has a population of 92 with a density of 123 people per square mile, spread across 0.8 square miles. The median age is 60.0 years, 54% older than the national median of 38.9. The gender split is 55.4% female and 44.6% male. The city is predominantly White (98.9%), with 1.1% Hispanic. English is the primary language spoken at home by 95.9% of residents. 84.0% of the population are veterans, above the national rate of 6.0%. 40.4% of residents have a disability (above the 13.0% national average). 89.4% have health insurance coverage.
Population
60.0yrs
Median Age
54% above US avg
Language Spoken at Home
English Only
95.9%
22% above US avg
Spanish
4.1%
69% below US avg
The median household income in Waterloo is $29,219, which is 61% below the national average of $75,149. Per capita income is $33,091 (below the $39,052 national figure). The average weekly wage is $896, 37% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 20.0% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 481 business establishments, including 35 restaurants. The cost of living index is 88.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 24 minutes. 6.5% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $29,219 |
| 61% below US avg |
| Per Capita Income | $33,091 |
| Avg Weekly Wage | $896 |
| IRS Avg AGI | $55,703 |
| Gini Index | 0.465 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 20.0% |
| 61% above US avg |
| Establishments (County) | 481 |
| County GDP | $767M |
Business (County)
| Restaurants | 35 |
| Healthcare | 29 |
| Retail | 82 |
| Manufacturing | 37 |
Tax & Cost of Living
| Property Tax (IRS) | $1,953 |
| 44% below US avg |
| Cost of Living | 88.80 (100=avg) |
| Effective Tax Rate | 2.12% |
Commute & Transportation
| Commute Time | 23.8 min |
| Drive Alone | 93.6% |
| Public Transit | 0.0% |
| Work from Home | 6.5% |
The median home value in Waterloo is $92,000, 67% below the national median of $281,900. Zillow estimates the typical home value at $186,551, higher than the Census estimate. Monthly rent averages $663 (43% below the national average of $1,163). Fair market rent ranges from $772 for a one-bedroom to $936 for a two-bedroom apartment. 87.7% of housing units are owner-occupied (above the 65.4% national rate). There are 116 total housing units in the city. The median year a home was built is 1964. The average annual property tax is $1,953 (lower than the $3,500 national average). 33.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.1x.
Home Values
| Census Median | $92,000 |
| 67% below US avg |
| Zillow ZHVI | $186,551 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $663 |
| 43% below US avg |
| Rent Burden | 33.8% |
HUD Fair Market Rent
| Studio | $716 |
| 1 Bedroom | $772 |
| 2 Bedrooms | $936 |
| 3 Bedrooms | $1,206 |
| 4 Bedrooms | $1,381 |
Ownership & Property
| Homeownership | 87.7% |
| Owner-Occupied | 87.7% |
| Renter-Occupied | 12.3% |
| Housing Units | 116 |
| Median Year Built | 1964 |
Property Tax
| Avg Tax (IRS) | $1,953 |
| 44% below US avg |
| Effective Rate | 2.12% |
In Waterloo, 36.2% of adults are obese, above the national rate of 32.1%. 10.8% have diabetes. Heart disease affects 6.5% of residents. 35.3% have high blood pressure. 18.2% are current smokers (above the 14.0% national rate). 17.0% report binge drinking. 27.4% are physically inactive. 27.1% report depression (above the 20.0% national average). 20.3% experience frequent mental distress. 10.5% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:3,750. The dentist ratio is 1:18,619. 51.1% of residents have access to exercise opportunities.
Health Metrics: Waterloo vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.2% |
| 13% above US avg |
| Diabetes | 10.8% |
| Heart Disease | 6.5% |
| High Blood Pressure | 35.3% |
| Asthma | 10.4% |
| COPD | 8.0% |
| Cancer | 7.5% |
| Stroke | 3.3% |
Behaviors & Mental Health
| Smoking | 18.2% |
| 30% above US avg |
| Binge Drinking | 17.0% |
| Physical Inactivity | 27.4% |
| Depression | 27.1% |
| Mental Distress | 20.3% |
| Physical Distress | 14.7% |
| Short Sleep | 41.0% |
Healthcare Access
| Insurance Rate | 89.4% |
| Uninsured | 10.5% |
| 22% above US avg |
| Primary Care | 1:3,750 |
| Dentists | 1:18,619 |
| Mental Health | 1:881 |
| Checkup Rate | 75.9% |
| Dental Visits | 57.3% |
| Premature Death | 14,574/100K |
Food & Exercise
| Exercise Access | 51.1% |
| Healthcare Facilities | 29 |
Waterloo has a violent crime rate of 683 per 100,000 residents, 80% above the national average of 380. Property crime stands at 2,537 per 100,000, 29% above the U.S. average. The county recorded 4 fatal traffic crashes. Overall, Waterloo receives a safety grade of F.
Crime Rates: Waterloo vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 682.9/100K |
| 80% above US avg |
| |
Property Crime
| Total Property | 2,536.6/100K |
| 29% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 4 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Waterloo enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winters average 39°F in January while summers reach 78°F in July. The area gets 302 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 62.3 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 452 feet.
Temperature
39°F Jan (4°C)
78°F Jul (25°C)
| Annual Average | 59.0°F |
| 9% above US avg |
| January Average | 39°F (4°C) |
| July Average | 78°F (25°C) |
| Sunny Days | 302 days/yr |
Geography
| Elevation | 452 ft (138 m) |
| Area | 0.8 sq mi (2.1 km²) |
| Population Density | 123/sq mi |
| Coordinates | 34.9172°N, 88.0644°W |
| Timezone | America/Chicago |
| County | Tishomingo County County |
| Nearest Airport | Northwest Alabama Regional (MSL) 28 miles away |
Precipitation & Snow
Annual Rainfall
62.3"
64% above US avg
Wettest Month (Mar)
6.26"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 37.1 / 100 |
| Social Vulnerability | 77.9 / 100 |
| Community Resilience | 28.0 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
31 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.2. Most recent: M2.7 on Aug 13, 2022.
| Jun 23, 1990 |
12 km E of Vernon, Alabama |
M3.2 |
129 km |
| Sep 2, 1990 |
12 km NW of Fayette, Alabama |
M3.2 |
130 km |
| Nov 6, 1994 |
11 km WSW of Trenton, Tennessee |
M3.1 |
146 km |
| May 10, 2008 |
1 km SSE of Sherman, Mississippi |
M3.1 |
95 km |
| Jun 23, 1990 |
8 km N of Belk, Alabama |
M3.1 |
134 km |
| May 4, 1994 |
2 km NNW of Addison, Alabama |
M3.0 |
111 km |
| May 4, 2007 |
4 km SSW of Jasper, Alabama |
M3.0 |
143 km |
| May 4, 1994 |
12 km NNW of Addison, Alabama |
M3.0 |
102 km |
| May 28, 2000 |
3 km NE of Fayette, Alabama |
M3.0 |
137 km |
| May 28, 2000 |
13 km S of Winfield, Alabama |
M3.0 |
125 km |
| Jan 2, 2000 |
4 km SW of Lester, Alabama |
M2.9 |
80 km |
| Jan 5, 2012 |
11 km NW of Oakman, Alabama |
M2.9 |
137 km |
| Jan 2, 2000 |
4 km SW of Lester, Alabama |
M2.9 |
81 km |
| Jun 25, 2020 |
4 km NNW of Berry, Alabama |
M2.9 |
142 km |
| Sep 20, 1990 |
6 km N of Elkmont, Alabama |
M2.8 |
101 km |
| Oct 3, 1993 |
3 km SW of Oakman, Alabama |
M2.8 |
149 km |
| May 13, 1999 |
7 km NW of Elkmont, Alabama |
M2.8 |
94 km |
| May 13, 1999 |
11 km S of Pulaski, Tennessee |
M2.8 |
96 km |
| Mar 11, 2006 |
17 km E of Olivet, Tennessee |
M2.7 |
31 km |
| Mar 11, 2017 |
6 km SW of Trinity, Alabama |
M2.7 |
92 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
486 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 208 fatalities, 1,551 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 27, 2011 |
EF5 |
91 km |
72 |
| Apr 16, 1998 |
EF5 |
34 km |
3 |
| Apr 3, 1974 |
EF5 |
96 km |
16 |
| Apr 3, 1974 |
EF5 |
73 km |
28 |
| Feb 6, 2008 |
EF4 |
91 km |
4 |
| Feb 5, 2008 |
EF4 |
44 km |
3 |
| May 5, 1999 |
EF4 |
74 km |
3 |
| May 18, 1995 |
EF4 |
54 km |
3 |
| May 18, 1995 |
EF4 |
95 km |
1 |
| Apr 19, 1970 |
EF4 |
88 km |
4 |
| Apr 3, 1956 |
EF4 |
82 km |
3 |
| Mar 21, 1952 |
EF4 |
92 km |
38 |
| May 8, 2024 |
EF3 |
80 km |
0 |
| Mar 31, 2023 |
EF3 |
74 km |
9 |
| Dec 23, 2015 |
EF3 |
26 km |
0 |
| Apr 28, 2014 |
EF3 |
78 km |
2 |
| Apr 27, 2011 |
EF3 |
99 km |
0 |
| May 8, 2008 |
EF3 |
99 km |
0 |
| Apr 11, 2008 |
EF3 |
72 km |
0 |
| Apr 11, 2008 |
EF3 |
91 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (3,112 ac, 2014).
| Year |
Name |
Acres |
Distance |
| 2014 |
UNNAMED |
3,112 |
94 km |
| 2020 |
BK OWL CREEK |
2,838 |
98 km |
| 2017 |
UNNAMED |
2,442 |
95 km |
| 2015 |
BIG TREE |
2,288 |
88 km |
| 2018 |
UNNAMED |
2,264 |
93 km |
| 2010 |
BALLS MT. |
2,229 |
90 km |
| 2022 |
HOLLY SPRINGS BB 51/52/53 |
2,182 |
100 km |
| 2014 |
UNNAMED |
2,143 |
90 km |
| 2021 |
BK LEOLA/WARREN |
2,007 |
94 km |
| 2022 |
HOLLY SPRINGS BB10 11 12 14 |
1,977 |
88 km |
| 2010 |
STINSON GAP |
1,922 |
92 km |
| 2013 |
UNNAMED |
1,845 |
93 km |
| 2018 |
UNNAMED |
1,826 |
93 km |
| 2017 |
UNNAMED |
1,620 |
96 km |
| 2022 |
BK TAPSVILLE |
1,494 |
93 km |
| 2006 |
UNNAMED |
1,330 |
95 km |
| 2015 |
YELLOW RABBIT |
1,274 |
95 km |
| 2021 |
HOLLY SPRINGS - BB 20/21 |
1,239 |
95 km |
| 2021 |
BK KEY MILL |
1,217 |
99 km |
| 2024 |
BNK KEY MILL RX |
1,210 |
99 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
39°F (4°C) |
4.8 in |
Coldest |
| February |
43°F (6°C) |
4.7 in |
|
| March |
51°F (11°C) |
6.3 in |
Wettest |
| April |
59°F (15°C) |
5.2 in |
|
| May |
67°F (19°C) |
5.8 in |
|
| June |
75°F (24°C) |
4.2 in |
|
| July |
78°F (25°C) |
4.4 in |
Warmest |
| August |
77°F (25°C) |
3.4 in |
Driest |
| September |
72°F (22°C) |
4.1 in |
|
| October |
60°F (16°C) |
3.5 in |
|
| November |
51°F (10°C) |
5.4 in |
|
| December |
42°F (6°C) |
5.9 in |
|
Waterloo has a seasonal temperature swing of 39°F / from 39°F in January to 78°F in July. Total annual precipitation is 57.7 inches, with March being the wettest month (6.3") and August the driest (3.4").
Average costs for common services in Waterloo. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$222 ($133–$355) |
| Specialist Visit |
$311 ($178–$488) |
| Urgent Care Visit |
$178 ($89–$311) |
| Emergency Room Visit |
$1,954 ($710–$4,440) |
| Dental Cleaning |
$115 ($67–$178) |
| Dental Filling |
$222 ($133–$355) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$67) |
| Oil Change (Synthetic) |
$67 ($44–$107) |
| Brake Pad Replacement |
$266 ($133–$444) |
| Tire Rotation |
$36 ($18–$67) |
| New Tires (Set of 4) |
$533 ($355–$888) |
| Battery Replacement |
$178 ($89–$311) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$89 ($53–$133) |
| Electrician (Per Hour) |
$80 ($44–$124) |
| HVAC Repair |
$355 ($133–$710) |
| HVAC System Install |
$6,216 ($3,552–$10,656) |
| Roof Repair |
$888 ($355–$1,776) |
| Roof Replacement |
$7,992 ($4,884–$13,320) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,332 ($444–$3,108) |
| Divorce (Contested) |
$13,320 ($4,440–$26,640) |
| DUI Defense |
$4,440 ($1,776–$8,880) |
| Bankruptcy (Chapter 7) |
$1,332 ($710–$2,664) |
| Will Preparation |
$444 ($178–$888) |
| Trust Preparation |
$2,220 ($888–$4,440) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$49 ($27–$89) |
| Hair Coloring (Full) |
$133 ($67–$222) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$36 ($22–$58) |
| Massage (1 Hour) |
$71 ($44–$115) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.64 ($2.66–$4.88) |
| Dozen Eggs (per dozen) |
$3.11 ($2.22–$4.44) |
| Loaf of Bread |
$3.37 ($2.22–$4.88) |
| Chicken Breast (per lb) |
$4.00 ($2.66–$5.77) |
| Ground Beef (per lb) |
$4.88 ($3.55–$6.66) |
| Rice (per lb) |
$0.89 ($0.53–$1.60) |
View all 20 services
Utilities
| Electricity (Monthly) |
$124 ($71–$222) |
| Natural Gas (Monthly) |
$62 ($27–$133) |
| Water/Sewer (Monthly) |
$62 ($36–$107) |
| Internet (Monthly) |
$62 ($36–$89) |
| Cell Phone Plan (Monthly) |
$58 ($27–$89) |
| Cable TV (Monthly) |
$75 ($44–$133) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$178 ($67–$444) |
| Car Insurance (Annual) |
$1,776 ($1,066–$3,108) |
| Bus Pass (Monthly) |
$62 ($27–$115) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.10–$22) |
| Car Registration (Annual) |
$89 ($27–$222) |
| Driver's License Renewal |
$27 ($13–$67) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,066 ($533–$2,220) |
| Daycare (Toddler, Monthly) |
$888 ($444–$1,776) |
| After-School Care (Monthly) |
$355 ($178–$622) |
| Tutoring (Per Hour) |
$44 ($22–$89) |
| SAT/ACT Prep Course |
$888 ($355–$2,220) |
| Private School (K-12, Annual) |
$11,100 ($4,440–$26,640) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($27–$89) |
| Dog Vaccination (Annual) |
$89 ($44–$178) |
| Dog Grooming |
$53 ($27–$89) |
| Pet Boarding (Per Night) |
$36 ($18–$67) |
| Dog Spay/Neuter |
$266 ($133–$444) |
| Cat Spay/Neuter |
$178 ($89–$355) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $513 |
| Toddler | $467 |
| Preschool | $467 |
| Family Childcare (monthly) |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Waterloo
What is the population of Waterloo?
Waterloo has a population of 92 residents and is located in Alabama. The population density is 123 people per square mile, spread across 0.8 square miles. The median age of residents is 60.0 years, which is older than the national median of 38.9 years. The population is 55.4% female and 44.6% male.
Is Waterloo expensive to live in?
Waterloo is more affordable than the national average, with a cost of living index of 88.8 / below the baseline of 100. The median household income is $29,219, 61% below the national average of $75,149. The median home value is $92,000 (67% below the U.S. median). Renters pay a median of $663 per month, below the national average of $1,163. The home price-to-income ratio is 3.1x, indicating housing is reasonably affordable relative to local income levels.
Is Waterloo safe?
Public safety is a concern in Waterloo, with a violent crime rate of 683 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 2,537 per 100,000 (above the national average). Overall, Waterloo receives a safety grade of F based on combined crime data.
What is the weather like in Waterloo?
Waterloo enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winter temperatures average 39°F in January, while summers reach an average of 78°F in July. The area receives 302 sunny days per year, well above the national average of 205. Annual rainfall totals 62.3 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Waterloo?
The job market in Waterloo is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $896. There are 481 business establishments in the area, including 35 restaurants and food service locations. The average commute time is 24 minutes, and 6.5% of workers work from home.
How much does housing cost in Waterloo?
The median home value in Waterloo is $92,000. Zillow estimates the typical home value at $186,551. For renters, the median monthly rent is $663. Fair market rent is $772 for a 1-bedroom and $936 for a 2-bedroom apartment. The homeownership rate is 87.7%. The average annual property tax is $1,953.
How are the schools in Waterloo?
Schools in Waterloo have an average test score of 4.4 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 8.5% of adults in Waterloo hold a bachelor's degree or higher, below the national average of 33.7%. 78.0% have completed high school. 3.5% hold a graduate or professional degree.
How healthy is Waterloo?
The obesity rate in Waterloo is 36.2% (above the national rate of 32.1%). 18.2% of adults are smokers. 27.4% are physically inactive. 27.1% of residents report depression. 10.5% lack health insurance (above the national rate). 51.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,750.
What is transportation like in Waterloo?
The average commute in Waterloo is 24 minutes, shorter than the national average of 28 minutes. 93.6% of workers drive alone to work, and 6.5% work from home.
What are the demographics of Waterloo?
The racial and ethnic makeup of Waterloo is 98.9% White, 1.1% Hispanic or Latino. 95.9% of residents speak only English at home, while 4.1% speak Spanish. 84.0% of the population are military veterans. 40.4% of residents have a disability. 89.4% have health insurance coverage.