Median Income
$49,519
34% lower than US avg
Home Value
$149,400
47% lower than US avg
Violent Crime
141/100K
63% lower than US avg
Bachelor's+
22.0%
35% lower than US avg
Median Rent
$939
19% lower than US avg
Obesity Rate
42.7%
33% higher than US avg
Unemployment
2.3%
36% lower than US avg
Poverty Rate
6.1%
51% lower than US avg
How Waverly Compares to the U.S. Average (100% = U.S. avg)
People
Population4,153
Median Age40.4 yrs
Density998/mi²
Male / Female49% / 51%
Largest GroupWhite 98%
Veterans10.8%
Economy
B+
Median Income$49,519
Per Capita$31,620
Unemployment2.3%
Poverty6.1%
County GDP$1,314M
Commute24 min
Housing
A+
Home Value$149,400
Rent$939
Ownership50.5%
Zillow$169,531
Housing Units2,160
Rent Burden24.8%
Crime
F
Violent141/100K
Property2,116/100K
Murder0.0/100K
Assault47/100K
Burglary141/100K
Health
Obesity42.7%
Uninsured9.8%
Smoking22.0%
Depression31.0%
Heart Disease7.2%
Climate
Avg Temp54°F (12°C)
AQI43 (Good)
Rain43.6 in/yr
Sunny Days293/yr
Elevation590 ft (180 m)
Education
C+
Bachelor's+22.0%
High School+90.6%
Graduate+6.5%
School Score5.82
Community
2024 VoteR 79% / D 21%
Commute24 min
Broadband76.9%
EV Stations19
Libraries3
Is Waverly a Good Place to Live?
Based on current data, Waverly receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, high obesity rates. Waverly offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Waverly is $49,519, 34% below the national average of $75,149. The job market is very strong with unemployment at just 2.3%. Only 6.1% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in Waverly is $149,400, 47% below the national median / offering relatively affordable homeownership. Renters pay a median of $939 per month, below the national average / a plus for affordability. At just 3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Waverly is a very safe community with a violent crime rate of 141 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 2,116 per 100,000, near the national average.
Education
22.0% of residents hold a bachelor's degree, below the national average of 33.7%. 90.6% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
Waverly experiences four distinct seasons with an average temperature of 54°F. Winters average 31°F in January while summers reach 76°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 43.6 inches, including 11.5 inches of snow. Air quality is rated Good with a median AQI of 43.
Waverly has a population of 4,153 with a density of 998 people per square mile, spread across 1.6 square miles. The median age is 40.4 years, 4% older than the national median of 38.9. The gender split is 51.2% female and 48.8% male. The city is predominantly White (98%), with 1.1% Hispanic. English is the primary language spoken at home by 95.8% of residents. 10.8% of the population are veterans, above the national rate of 6.0%. 23.5% of residents have a disability (above the 13.0% national average). 96.2% have health insurance coverage.
Population
40.4yrs
Median Age
4% above US avg
Language Spoken at Home
English Only
95.8%
22% above US avg
Spanish
4.2%
69% below US avg
The median household income in Waverly is $49,519, which is 34% below the national average of $75,149. Per capita income is $31,620 (below the $39,052 national figure). The average weekly wage is $882, 38% lower than the U.S. average. The unemployment rate is 2.3% (below the 3.6% US average). 6.1% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 755 business establishments, including 59 restaurants. The cost of living index is 92.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 24 minutes. 10.1% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $49,519 |
| 34% below US avg |
| Per Capita Income | $31,620 |
| Avg Weekly Wage | $882 |
| IRS Avg AGI | $57,156 |
| Gini Index | 0.460 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.3% |
| 36% below US avg |
| Poverty Rate | 6.1% |
| 51% below US avg |
| Establishments (County) | 755 |
| County GDP | $1,314M |
Business (County)
| Restaurants | 59 |
| Healthcare | 85 |
| Retail | 121 |
| Manufacturing | 27 |
Tax & Cost of Living
| Property Tax (IRS) | $3,048 |
| 13% below US avg |
| Cost of Living | 92.80 (100=avg) |
| Effective Tax Rate | 2.04% |
Commute & Transportation
| Commute Time | 24.0 min |
| Drive Alone | 82.8% |
| Public Transit | 0.0% |
| Work from Home | 10.1% |
The median home value in Waverly is $149,400, 47% below the national median of $281,900. Zillow estimates the typical home value at $169,531, higher than the Census estimate. Monthly rent averages $939 (19% below the national average of $1,163). Fair market rent ranges from $873 for a one-bedroom to $1,092 for a two-bedroom apartment. 50.5% of housing units are owner-occupied (below the 65.4% national rate). There are 2,160 total housing units in the city. The median year a home was built is 1966. The average annual property tax is $3,048. 24.8% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3x, well within the affordable range.
Home Values
| Census Median | $149,400 |
| 47% below US avg |
| Zillow ZHVI | $169,531 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $939 |
| 19% below US avg |
| Rent Burden | 24.8% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $873 |
| 2 Bedrooms | $1,092 |
| 3 Bedrooms | $1,388 |
| 4 Bedrooms | $1,550 |
Ownership & Property
| Homeownership | 50.5% |
| Owner-Occupied | 50.5% |
| Renter-Occupied | 49.5% |
| Housing Units | 2,160 |
| Median Year Built | 1966 |
Property Tax
| Avg Tax (IRS) | $3,048 |
| 13% below US avg |
| Effective Rate | 2.04% |
In Waverly, 42.7% of adults are obese, above the national rate of 32.1%. 12.8% have diabetes (above the 10.5% national rate). Heart disease affects 7.2% of residents, above the national average. 37.8% have high blood pressure. 22.0% are current smokers (above the 14.0% national rate). 17.1% report binge drinking. 33.6% are physically inactive, above the national average. 31.0% report depression (above the 20.0% national average). 22.4% experience frequent mental distress. 9.8% of residents lack health insurance. The primary care physician ratio is 1:2,322. The dentist ratio is 1:3,259. 46.2% of residents have access to exercise opportunities. The food environment index is 7.2 out of 10.
Health Metrics: Waverly vs U.S. Average (%)
Chronic Conditions
| Obesity | 42.7% |
| 33% above US avg |
| Diabetes | 12.8% |
| Heart Disease | 7.2% |
| High Blood Pressure | 37.8% |
| Asthma | 12.2% |
| COPD | 10.1% |
| Cancer | 7.7% |
| Stroke | 3.7% |
Behaviors & Mental Health
| Smoking | 22.0% |
| 57% above US avg |
| Binge Drinking | 17.1% |
| Physical Inactivity | 33.6% |
| Depression | 31.0% |
| Mental Distress | 22.4% |
| Physical Distress | 16.3% |
| Short Sleep | 37.2% |
Healthcare Access
| Insurance Rate | 96.2% |
| Uninsured | 9.8% |
| 14% above US avg |
| Primary Care | 1:2,322 |
| Dentists | 1:3,259 |
| Mental Health | 1:302 |
| Checkup Rate | 77.8% |
| Dental Visits | 58.2% |
| Premature Death | 13,453/100K |
Food & Exercise
| Food Environment | 7.2/10 |
| Exercise Access | 46.2% |
| Healthcare Facilities | 85 |
Waverly has a violent crime rate of 141 per 100,000 residents, 63% below the national average of 380. This breaks down to aggravated assault at 47.0 per 100,000, robbery at 94.1, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 2,116 per 100,000, 8% above the U.S. average. This includes larceny/theft at 1,834, burglary at 141, vehicle theft at 141 per 100,000 residents. The county recorded 5 fatal traffic crashes. Overall, Waverly receives a safety grade of F.
Crime Rates: Waverly vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 141.1/100K |
| 63% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 94.1/100K |
| Assault | 47.0/100K |
Property Crime
| Total Property | 2,116.2/100K |
| 8% above US avg |
| Burglary | 141.1/100K |
| Theft | 1,834.0/100K |
| Vehicle Theft | 141.1/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Traffic Accidents | 37 |
| Avg Accident Severity | 2.6 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Waverly experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 31°F in January while summers reach 76°F in July. The area gets 293 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 43.6 inches. The area receives 11.5 inches of snow annually. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 590 feet.
Temperature
31°F Jan (-1°C)
76°F Jul (24°C)
| Annual Average | 53.9°F |
| 0% below US avg |
| January Average | 31°F (-1°C) |
| July Average | 76°F (24°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 590 ft (180 m) |
| Area | 1.6 sq mi (4.2 km²) |
| Population Density | 998/sq mi |
| Coordinates | 39.1260°N, 82.9837°W |
| Timezone | America/New_York |
| County | Jackson County County |
| Nearest Airport | Greater Portsmouth Regional (PMH) 21 miles away |
Precipitation & Snow
Annual Rainfall
43.6"
15% above US avg
Wettest Month (May)
4.25"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 35.8 / 100 |
| Social Vulnerability | 82.1 / 100 |
| Community Resilience | 43.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Very Low |
| Cold Wave |
Very Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
25 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.6. Most recent: M2.9 on May 9, 2025.
| Feb 19, 1995 |
8 km SSE of Rocky Fork Point, Ohio |
M3.6 |
42 km |
| Nov 20, 2013 |
2 km SW of Buchtel, Ohio |
M3.5 |
76 km |
| May 24, 2017 |
1 km S of McArthur, Ohio |
M3.4 |
45 km |
| Apr 24, 2009 |
7 km ENE of Rio Grande, Ohio |
M3.4 |
64 km |
| Sep 8, 1990 |
5 km N of Owingsville, Kentucky |
M3.3 |
124 km |
| Apr 24, 2025 |
3 km S of Pleasant City, Ohio |
M3.1 |
149 km |
| Feb 3, 2025 |
2 km NNW of Oak Hill, Ohio |
M3.1 |
42 km |
| Aug 31, 2011 |
3 km SE of Lowell, Ohio |
M3.1 |
137 km |
| Apr 25, 2020 |
2 km SE of South Shore, Kentucky |
M2.9 |
47 km |
| May 9, 2025 |
3 km S of Pleasant City, Ohio |
M2.9 |
149 km |
| Mar 17, 1999 |
2 km NNE of Ripley, Ohio |
M2.8 |
84 km |
| May 6, 2002 |
3 km SE of Racine, Ohio |
M2.8 |
97 km |
| Feb 3, 2025 |
0 km NE of Reno, Ohio |
M2.8 |
140 km |
| May 11, 2015 |
5 km ESE of Maysville, Kentucky |
M2.6 |
83 km |
| Jun 6, 2014 |
13 km NNE of Sissonville, West Virginia |
M2.6 |
132 km |
| Mar 16, 2012 |
7 km SE of Alum Creek, West Virginia |
M2.6 |
146 km |
| Mar 8, 2016 |
0 km N of Thurman, Ohio |
M2.6 |
53 km |
| Feb 11, 2015 |
8 km SE of Richmond Dale, Ohio |
M2.6 |
21 km |
| Jul 23, 2013 |
6 km NNE of Germantown, Kentucky |
M2.6 |
95 km |
| Jan 28, 2024 |
3 km SW of Old Washington, Kentucky |
M2.5 |
94 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
323 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 12 fatalities, 271 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 23, 1968 |
EF5 |
50 km |
7 |
| May 14, 2014 |
EF3 |
97 km |
0 |
| May 10, 2003 |
EF3 |
85 km |
0 |
| Oct 13, 1999 |
EF3 |
53 km |
0 |
| Jun 30, 1993 |
EF3 |
56 km |
0 |
| Apr 3, 1974 |
EF3 |
63 km |
1 |
| Feb 22, 1971 |
EF3 |
94 km |
0 |
| Sep 3, 1970 |
EF3 |
58 km |
0 |
| Apr 23, 1968 |
EF3 |
45 km |
0 |
| May 7, 1967 |
EF3 |
85 km |
0 |
| Nov 16, 1965 |
EF3 |
60 km |
0 |
| Apr 8, 1965 |
EF3 |
29 km |
0 |
| Apr 8, 1965 |
EF3 |
89 km |
0 |
| Feb 10, 1959 |
EF3 |
62 km |
0 |
| Apr 2, 2024 |
EF2 |
23 km |
0 |
| Apr 2, 2024 |
EF2 |
96 km |
0 |
| Jun 8, 2022 |
EF2 |
35 km |
0 |
| Oct 15, 2021 |
EF2 |
37 km |
0 |
| May 27, 2019 |
EF2 |
48 km |
0 |
| Mar 2, 2012 |
EF2 |
58 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
9 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (3,259 ac, 2009).
| Year |
Name |
Acres |
Distance |
| 2009 |
UNNAMED |
3,259 |
52 km |
| 2022 |
127 |
1,349 |
52 km |
| 2019 |
CY19 BLUEGRASS PRESCRIBED BURN |
1,190 |
68 km |
| 2022 |
LONG RIDGE RX UNIT 37-38 |
1,050 |
82 km |
| 2003 |
PEACH ORCHARD |
1,043 |
40 km |
| 2021 |
LONG RIDGE RX UNIT 1-12 |
1,037 |
80 km |
| 2022 |
LONG RIDGE RX UNIT 11-19 |
936 |
79 km |
| 2022 |
LONG RIDGE RX UNIT 24 |
709 |
80 km |
| 1988 |
RUSH HOLLOW ROAD |
605 |
96 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
31°F (-1°C) |
2.6 in |
Coldest |
| February |
32°F (0°C) |
2.6 in |
Driest |
| March |
42°F (6°C) |
3.7 in |
|
| April |
52°F (11°C) |
3.5 in |
|
| May |
62°F (16°C) |
4.3 in |
Wettest |
| June |
70°F (21°C) |
3.7 in |
|
| July |
76°F (24°C) |
4.1 in |
Warmest |
| August |
73°F (23°C) |
4.1 in |
|
| September |
66°F (19°C) |
2.9 in |
|
| October |
55°F (13°C) |
2.6 in |
|
| November |
44°F (7°C) |
3.1 in |
|
| December |
35°F (2°C) |
3.1 in |
|
Waverly has a seasonal temperature swing of 45°F / from 31°F in January to 76°F in July. Total annual precipitation is 40.2 inches, with May being the wettest month (4.3") and February the driest (2.6").
Average costs for common services in Waverly. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$232 ($139–$371) |
| Specialist Visit |
$325 ($186–$510) |
| Urgent Care Visit |
$186 ($93–$325) |
| Emergency Room Visit |
$2,042 ($742–$4,640) |
| Dental Cleaning |
$121 ($70–$186) |
| Dental Filling |
$232 ($139–$371) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($46–$111) |
| Brake Pad Replacement |
$278 ($139–$464) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$557 ($371–$928) |
| Battery Replacement |
$186 ($93–$325) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$139) |
| Electrician (Per Hour) |
$84 ($46–$130) |
| HVAC Repair |
$371 ($139–$742) |
| HVAC System Install |
$6,496 ($3,712–$11,136) |
| Roof Repair |
$928 ($371–$1,856) |
| Roof Replacement |
$8,352 ($5,104–$13,920) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,392 ($464–$3,248) |
| Divorce (Contested) |
$13,920 ($4,640–$27,840) |
| DUI Defense |
$4,640 ($1,856–$9,280) |
| Bankruptcy (Chapter 7) |
$1,392 ($742–$2,784) |
| Will Preparation |
$464 ($186–$928) |
| Trust Preparation |
$2,320 ($928–$4,640) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$139 ($70–$232) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$60) |
| Massage (1 Hour) |
$74 ($46–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.80 ($2.78–$5.10) |
| Dozen Eggs (per dozen) |
$3.25 ($2.32–$4.64) |
| Loaf of Bread |
$3.53 ($2.32–$5.10) |
| Chicken Breast (per lb) |
$4.18 ($2.78–$6.03) |
| Ground Beef (per lb) |
$5.10 ($3.71–$6.96) |
| Rice (per lb) |
$0.93 ($0.56–$1.67) |
View all 20 services
Utilities
| Electricity (Monthly) |
$130 ($74–$232) |
| Natural Gas (Monthly) |
$65 ($28–$139) |
| Water/Sewer (Monthly) |
$65 ($37–$111) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$60 ($28–$93) |
| Cable TV (Monthly) |
$79 ($46–$139) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$186 ($70–$464) |
| Car Insurance (Annual) |
$1,856 ($1,114–$3,248) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.42–$23) |
| Car Registration (Annual) |
$93 ($28–$232) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,114 ($557–$2,320) |
| Daycare (Toddler, Monthly) |
$928 ($464–$1,856) |
| After-School Care (Monthly) |
$371 ($186–$650) |
| Tutoring (Per Hour) |
$46 ($23–$93) |
| SAT/ACT Prep Course |
$928 ($371–$2,320) |
| Private School (K-12, Annual) |
$11,600 ($4,640–$27,840) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($46–$186) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$278 ($139–$464) |
| Cat Spay/Neuter |
$186 ($93–$371) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $751 |
| Toddler | $693 |
| Preschool | $615 |
| Family Childcare (monthly) |
| Infant | $671 |
| Toddler | $660 |
| Preschool | $610 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Waverly
What is the population of Waverly?
Waverly has a population of 4,153 residents and is located in Ohio. The population density is 998 people per square mile, spread across 1.6 square miles. The median age of residents is 40.4 years. The population is 51.2% female and 48.8% male.
Is Waverly expensive to live in?
Waverly is more affordable than the national average, with a cost of living index of 92.8 / below the baseline of 100. The median household income is $49,519, 34% below the national average of $75,149. The median home value is $149,400 (47% below the U.S. median). Renters pay a median of $939 per month, below the national average of $1,163. The home price-to-income ratio is 3x, indicating housing is reasonably affordable relative to local income levels.
Is Waverly safe?
Waverly is considered a very safe city with a violent crime rate of 141 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 2,116 per 100,000 (above the national average). Overall, Waverly receives a safety grade of F based on combined crime data.
What is the weather like in Waverly?
Waverly 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 76°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 43.6 inches, with 11.5 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Waverly?
The job market in Waverly is very strong, with unemployment at just 2.3% / well below the national rate of 3.6%. The average weekly wage is $882. There are 755 business establishments in the area, including 59 restaurants and food service locations. The average commute time is 24 minutes, and 10.1% of workers work from home.
How much does housing cost in Waverly?
The median home value in Waverly is $149,400. Zillow estimates the typical home value at $169,531. For renters, the median monthly rent is $939. Fair market rent is $873 for a 1-bedroom and $1,092 for a 2-bedroom apartment. The homeownership rate is 50.5%. The average annual property tax is $3,048.
How are the schools in Waverly?
Schools in Waverly score 5.8 out of 10 on standardized testing, near the national average. 22.0% of adults in Waverly hold a bachelor's degree or higher, below the national average of 33.7%. 90.6% have completed high school. 6.5% hold a graduate or professional degree.
How healthy is Waverly?
The obesity rate in Waverly is 42.7% (above the national rate of 32.1%). 22.0% of adults are smokers. 33.6% are physically inactive. 31.0% of residents report depression. 9.8% lack health insurance. 46.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,322.
What is transportation like in Waverly?
The average commute in Waverly is 24 minutes, shorter than the national average of 28 minutes. 82.8% of workers drive alone to work, and 10.1% work from home.
What are the demographics of Waverly?
The racial and ethnic makeup of Waverly is 98% White, 1.1% Hispanic or Latino. 95.8% of residents speak only English at home, while 4.2% speak Spanish. 10.8% of the population are military veterans. 23.5% of residents have a disability. 96.2% have health insurance coverage.