Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX

Public Use Microdata Area (PUMA)

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2023 Population

113,782

1.35% 1-year decline

US Senator

John Cornyn

Republican Party

US Senator

Ted Cruz

Republican Party

2023 Median Age

0.649% 1-year increase

2023 Poverty Rate

19.8%

0.145% 1-year decrease

2023 Median Household Income

$55,274

1.93% 1-year growth

2023 Median Property Value

$158,700

12.8% 1-year growth

2023 Employed Population

45,955

2.14% 1-year decline

About

In 2023, Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX had a population of 114k people with a median age of 31 and a median household income of $55,274. Between 2022 and 2023 the population of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX declined from 115,336 to 113,782, a −1.35% decrease and its median household income grew from $54,226 to $55,274, a 1.93% increase.

The 5 largest ethnic groups in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX are Two Races Including Other (Hispanic) (45.4%), White (Hispanic) (20.2%), Black or African American (Non-Hispanic) (14.8%), Other (Hispanic) (8.2%), and White (Non-Hispanic) (6.47%).

66.7% of the households in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX reported speaking a non-English language at home as their primary shared language. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

77.6% of the residents in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX are U.S. citizens.

The largest universities in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX are Houston Training School-Main Campus (45 degrees awarded in 2023).

In 2023, the median property value in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was $158,700, and the homeownership rate was 54.8%.

Most people in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX drove alone to work, and the average commute time was 27.2 minutes. The average car ownership in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was 2 cars per household.

Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX borders Houston City (North Central)--North of I-10 & Inside Loop I-610 PUMA, TX, Houston City (East Central)--East of I-45 & Inside Loop I-610 PUMA, TX, Harris County (Southeast)--Pasadena City (North & Central)-Inside Beltway TX-8 PUMA, TX, Houston City (Northeast)--Between Loop I-610 & Beltway TX-8 PUMA, TX, Houston City (Southeast)--West of Pasadena City & Outside Loop I-610 PUMA, TX, Harris County (East)--Deer Park, La Porte (North) Cities & Channelview PUMA, TX, and Harris County (Northeast)--Houston City (Far Northeast) PUMA, TX.

United States Texas

Population & Diversity

Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX is home to a population of 114k people, from which 77.6% are citizens. As of 2023, 32% of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX residents were born outside of the country (36.4k people).

In 2023, there were 2.25 times more Two Races Including Other (Hispanic) residents (51.7k people) in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX than any other race or ethnicity. There were 22.9k White (Hispanic) and 16.9k Black or African American (Non-Hispanic) residents, the second and third most common ethnic groups.

The most common non-English languages spoken as the primary language in households in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX are Spanish (68,998 households), Vietnamese (460 households), and Malayalam, Kannada, or Other Dravidian Languages (219 households).

Population & Diversity

Residents by Gender and Age

RACE/ETHNICITY

54,369

Women

47.7%

59,696

Men

52.3%

The resident population of United States in 2023 was 114,065 inhabitants, with 52.3% men, and 47.7% women.

The visualization shows the distribution of the residents by gender and age in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX.

With the upper buttons you can add a filter by race.

Citizenship

77.6%

2023 Citizenship

78.2%

2022 Citizenship

As of 2023, 77.6% of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX residents were US citizens, which is lower than the national average of 93.4%. In 2022, the percentage of US citizens in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was 78.2%, meaning that the rate of citizenship has been decreasing.

The following chart shows US citizenship percentages in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX compared to that of it's neighboring and parent geographies.

Diversity

Race and Ethnicity

The 3 largest ethnic groups in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX

Two Races Including Other (Hispanic)
51.7k ± 3.73k
White (Hispanic)
22.9k ± 2.29k
Black or African American (Non-Hispanic)
16.9k ± 1.6k

76%

Hispanic Population

86.4k people

76% of the people in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX are hispanic (86.4k people).

The following chart shows the 8 races represented in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX as a share of the total population.

Global Diversity

Most Common Origin

Mexico
23,757 ± 3,367 people
El Salvador
4,363 ± 1,590 people
Honduras
3,709 ± 1,471 people

In 2023, the most common birthplace for the foreign-born residents of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was Mexico, the natal country of 23,757 Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX residents, followed by El Salvador with 4,363 and Honduras with 3,709.

Foreign-Born Population

32%

2023 Foreign-Born Population

36.4k people

31.2%

2022 Foreign-Born Population

36k people

As of 2023, 32% of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX residents (36.4k people) were born outside of the United States, which is approximately the same as the national average of 13.8%. In 2022, the percentage of foreign-born citizens in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was 31.2%, meaning that the rate has been increasing.

The following chart shows the percentage of foreign-born residents in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX compared to that of it's neighboring and parent geographies.

Non-English Households

Most Common Non-English Languages

Spanish
68,998 households (65.3%)
Vietnamese
460 households (0.435%)
Malayalam, Kannada, or Other Dravidian Languages
219 households (0.207%)

66.7% of the households in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX reported speaking a non-English language at home as their primary shared language, which is higher than the national average of 22%. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

In 2023, the most common non-English language spoken in households in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was Spanish. 65.3% of the households in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX reported speaking Spanish at home as the primary shared language between all members living in the household.

Military

Veterans

Most Common Service Period

Gulf War (2001-)
875 ± 574
Vietnam
744 ± 210
Gulf War (1990s)
348 ± 169

Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX has a large population of military personnel who served in Gulf War (2001-), 1.18 times greater than any other conflict.

Economy

The economy of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX employs 46k people. In 2023, the largest industries in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX were Construction (6,379 people), Restaurants & Food Services (4,395 people), and Elementary & secondary schools (3,220 people), and the highest paying industries were Computer Systems Design ($77,292), Petroleum refining ($75,612), and Architectural, engineering & related services ($74,139).

Males in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX have an average income that is 1.25 times higher than the average income of females, which is $40,480. The income inequality in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX (measured using the Gini index) is 0.36, which is lower than than the national average.

Employment

Workforce Diversity

Measure

RACE/ETHNICITY

18,712

Women

40.7%

27,243

Men

59.3%

The workforce of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX in 2023 was 45,955 people, with 40.7% woman, and 59.3% men.

The visualization shows the distribution of the workforce by gender and age in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX.

With the upper buttons you can see the distribution of the average salary and add a filter by race.

Occupations

46k

2023 Value

−2.14%

1 Year decline

± −2.14%

From 2022 to 2023, employment in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX declined at a rate of −2.14%, from 47k employees to 46k employees.

The most common job groups, by number of people living in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX, are Driver/sales workers & truck drivers (3,037 people), Cashiers (1,985 people), and Laborers & freight, stock, & material movers, hand (1,783 people). This chart illustrates the share breakdown of the primary jobs held by residents of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX.

Unemployment Insurance Claims

Data is only available at the state level. Showing data for Texas.

This chart shows weekly unemployment insurance claims in Texas (not-seasonally adjusted) compared with the four states with the most similar impact.

The most recent data point uses Advance State Claims data, which can be revised in subsequent weeks.

Industries

Employment by Industries

46k

2023 Value

−2.14%

1 Year decline

± −2.14%

From 2022 to 2023, employment in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX declined at a rate of −2.14%, from 47k employees to 46k employees.

The most common employment sectors for those who live in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX, are Construction (6,379 people), Restaurants & Food Services (4,395 people), and Elementary & secondary schools (3,220 people). This chart shows the share breakdown of the primary industries for residents of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX, though some of these residents may live in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX and work somewhere else. Census data is tagged to a residential address, not a work address.

Median Earnings by Industry

$39,598

Median earning men ± $2,889

$30,022

Median earning women ± $1,501

The industries with the best median earnings for men in 2023 are Information ($64,219), Public Administration ($62,424), and Finance & Insurance, & Real Estate & Rental & Leasing ($49,971).

The industries with the best median earnings for women in 2023 are Agriculture, Forestry, Fishing & Hunting, & Mining ($57,892), Information ($48,841), and Public Administration ($48,065).

Employment by Industry Sector

Data is only available at the state level. Showing data for Texas.

Y-Axis

4.59%

Year-over-year growth

Employment change between February 2022 and February 2023

As of February 2023, there are 13.8M people employed in Texas. This represents a 4.59% increase in employment when compared to February 2022.

Right after the beginning of the COVID-19 pandemic, during April 2020, a general dip can be seen across industry sectors, resulting in an overall decline in employment by 9.63%.

The following chart shows monthly employment numbers for each industry sector in Texas.

Civics

In the 2024 presidential election, the popular vote in Texas went to Donald J. Trump with 56.1% of the vote. The runner-up was Kamala Harris (42.5%), followed by Jill Stein (0.726%).

John Cornyn and Ted Cruz are the senators currently representing the state of Texas. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Texas is currently represented by 38 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Elections

Presidential Popular Vote Over Time

Voting results are not available for Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX. Showing the available data for Texas.

2024 Election Results

Donald J. Trump (56.1%)
Republican Party
Kamala Harris (42.5%)
Democratic Party
Jill Stein (0.726%)
Green Party

In the 2024 presidential election, the popular vote in Texas went to Donald J. Trump with 56.1% of the vote. The runner-up was Kamala Harris (42.5%), followed by Jill Stein (0.726%).

The following chart shows the popular vote results in Texas for each registered party from 1976 to 2024.

Senator Elections

US Senators from Texas

Senatorial voting results are only available at the state level. Showing data for Texas.

John Cornyn

Senator from Texas

Assumed office on December 2, 2002
Phil Gramm resigned (effective November 30, 2002) a few weeks before the expiration of his term in hopes that his successor, fellow Republican John Cornyn, could gain seniority over other newly elected senators. However, Cornyn did not gain additional seniority due to a 1980 Rules Committee policy.

Ted Cruz

Senator from Texas

Assumed office on January 3, 2013

John Cornyn and Ted Cruz are the senators currently representing Texas.

In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

The following chart shows elected senators in Texas over time, excluding special elections, colored by their political party.

US Representative Elections

US Representatives from Texas

Texas is currently represented by 38 members in the U.S. house.

Members of the House of Representives are elected to 2-year terms, and the following chart shows the how the members for Texas have changed over time starting in 2008.

Education

In 2023, universities in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX awarded 45 degrees. The student population of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX in 2023 is skewed towards women, with 2 male students and 218 female students.

Most students graduating from Universities in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX are Hispanic or Latino (29 and 64.4%), followed by Black or African American (14 and 31.1%), White (2 and 4.44%), and Native Hawaiian or Other Pacific Islanders (0 and 0%).

The largest universities in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX by number of degrees awarded are Houston Training School-Main Campus (45 and 100%).

The most popular majors in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX are General Cosmetology (27 and 60%), Nail Specialist & Manicurist (11 and 24.4%), and Aesthetician & Skin Care Specialist (7 and 15.6%).

Admissions & Enrollments

Enrollments by Gender and Races

In 2023 there were 220 students enrolled in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX, 0.909% men and 99.1% women.

By race, the largest number of students enrolled was concentrated in Hispanic or Latino with 114 records, of which 98.2% were women and 1.75% men.

Completions

Concentrations

General Cosmetology

Most Common

27 degrees awarded

In 2023, the most common concentation for 1 to 2 Year Postsecondary Certificate recipients in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was N/A with N/A degrees awarded.

This visualization illustrates the percentage of students graduating with a 1 to 2 Year Postsecondary Certificate from schools in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX according to their major.

Universities

Gender

Race

Houston Training School-Main Campus

Largest Universities by degrees awarded

45 degrees awarded

In 2023, the institution with the largest number of graduating students was Houston Training School-Main Campus with 45 degrees awarded.

Student Diversity

In 2023, 1 men were awarded degrees from institutions in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX, which is 0.0227 times less than the 44 female students who received degrees in the same year.

In 2023, the most common race/ethnicity group awarded degrees at institutions was Hispanic or Latino students. These 29 degrees mean that there were 2.07 times more degrees awarded to Hispanic or Latino students then the next closest race/ethnicity group, Black or African American, with 14 degrees awarded.

Awarded Degrees over Time

The graph shows the evolution of awarded degrees by degrees. Under the paragraphs, the average number of awarded degrees by university in each degree is shown.

Working Population

Educational Pyramid

Measure

In 2023, 3.09% of men over 25 years of age had not completed any academic degree (no schooling), while 2.2% of women were in the same situation.

This visualization shows the gender distribution of the population according to the academic level reached.

Educational Attainment

Race

The most common educational levels obtained by the working population of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX in 2023 were High School or Equivalent (26.5k), Primary Education (22.5k), and Secondary Education (20.4k).

This visualization illustrates the percentage distribution of the population according to the highest educational level reached. You can filter the data by race by using the selector above.

Housing & Living

The median property value in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was $158,700 in 2023, which is 0.523 times smaller than the national average of $303,400. Between 2022 and 2023 the median property value increased from $140,700 to $158,700, a 12.8% increase. The homeownership rate in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX is 54.8%, which is lower than the national average of 65%.

People in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX have an average commute time of 27.2 minutes, and they drove alone to work. Car ownership in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX is approximately the same as the national average, with an average of 2 cars per household.

Housing

Property

$158,700

Median Property Value 2023

±$6,111

$19,387

Median Property Taxes

±$1,154

The following chart display owner-occupied housing units distributed between a series of property tax buckets compared to the national averages for each bucket. In Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX the largest share of households pay taxes in the $3k+ range.

The chart underneath the paragraph shows the property taxes in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX compared to it's parent and neighbor geographies.

Rent vs Own

54.8%

Homeownership

2023

68.3%

Homeowners with Mortgage

2023

In 2023, 54.8% of the housing units in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX were occupied by their owner. This percentage declined from the previous year's rate of 55.1%.

This chart shows the percentage of owner in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX compared it's parent and neighboring geographies.

Equity

Household Income

Please note that the buckets used in this visualization were not evenly distributed by ACS when publishing the data.

$55,274

Median Household Income

± $2,790

35.4k

Number of Households

± 1,648

In 2023, the median household income of the 35.4k households in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX grew to $55,274 from the previous year's value of $54,226.

The following chart displays the households in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX distributed between a series of income buckets compared to the national averages for each bucket. The largest share of households have an income in the $75k - $100k range.

Wage Distribution

0.36

2023 Wage GINI in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX

0.356

2022 Wage GINI in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX

In 2023, the income inequality in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was 0.36 according to the GINI calculation of the wage distribution. Income inequality had a 1.18% growth from 2022 to 2023, which means that wage distribution grew somewhat less even. The GINI for Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX was lower than than the national average of 0.476. In other words, wages are distributed more evenly in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX in comparison to the national average.

This chart shows the number of workers in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX across various wage buckets compared to the national average.

Transportation

Commuter Transportation

Most Common Commute in 2023

Drove Alone (76.6%)
Carpooled (16%)
Worked At Home (4.03%)

In 2023, 76.6% of workers in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX drove alone to work, followed by those who carpooled to work (16%) and those who worked at home (4.03%).

The following chart shows the number of households using each mode of transportation over time, using a logarithmic scale on the y-axis to help better show variations in the smaller means of commuting.

Commute Time

27.2 minutes

Average Travel Time

Using averages, employees in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX have a longer commute time (27.2 minutes) than the normal US worker (26.6 minutes). Additionally, 1.9% of the workforce in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX compares to that of it's neighboring and parent geographies.

Car Ownership

2 cars

Average Number

The following chart displays the households in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX have 2 cars.

Poverty

Poverty & Diversity

19.8% of the population for whom poverty status is determined in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX (22.3k out of 113k people) live below the poverty line, a number that is higher than the national average of 12.4%. The largest demographic living in poverty are Females 35 - 44, followed by Females 6 - 11 and then Males 6 - 11.

The most common racial or ethnic group living below the poverty line in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX is Hispanic, followed by Two Or More and White.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family's total income is less than the family's threshold than that family and every individual in it is considered to be living in poverty.

Social Needs

Data only available at the state level.

Most prevalent states

California
35,798 individuals
New York
5,087 individuals
Florida
4,915 individuals

In 2017, California had the highest estimated number of chronically homeless individuals in the nation, at 35,798. New York has the second highest (5,087), followed by Florida (4,915).

The following map shows the estimated number of chronically homeless individuals by state over multiple years.

Health

69.8% of the population of Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX has health coverage, with 26.5% on employee plans, 28.4% on Medicaid, 7.22% on Medicare, 6.93% on non-group plans, and 0.771% on military or VA plans.

Primary care physicians in Texas see 1,657 patients per year on average, which represents a 0.975% increase from the previous year (1,641 patients). Compare this to dentists who see 1590 patients per year, and mental health providers who see 638 patients per year.

By gender, of the total number of insured persons, 51.8% were men and 48.2% were women.

Coverage

Patient to Clinician Ratios

Data is only available at the state level. Showing data for Texas.

1,657 to 1

Patient to Primary Care Physician Ratio in Texas

Primary care physicians in Texas see an average of 1,657 patients per year. This represents a 0.975% increase from the previous year (1,641 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Texas in comparison to its neighboring geographies.

Health Care Diversity

In 2023, insured persons according to age ranges were distributed in 32.3% under 18 years, 22.4% between 18 and 34 years, 35.6% between 35 and 64 years, and 9.64% over 64 years.

By gender, of the total number of insured persons, 51.8% were men and 48.2% were women.

The following chart shows the number of people with health coverage by gender.

Uninsured People

30.2%

Uninsured

26.5%

Employer Coverage

28.4%

Medicaid

7.22%

Medicare

6.93%

Non-Group

0.771%

Military or VA

Between 2022 and 2023, the percent of uninsured citizens in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX grew by 7.09% from 28.2% to 30.2%.

The following chart shows how the percent of uninsured individuals in Houston (East), Galena Park, Jacinto Cities & Cloverleaf PUMA, TX changed over time compared with the percent of individuals enrolled in various types of health insurance.