Auto · County · Iowa
Insurance agencies in Howard County, IA
Competitor counts, household spending and official business counts for insurance agencies in Howard County, IA, set against other counties and the U.S.
Groundwork market score
Not scored
Counties under 10,000 people aren’t scored, since a few businesses can swing their figures.
- Listings
- 11
- 3 chain locations (27%)
- Official establishments
- 10
- Businesses with payroll, 2023
- Household spending a year
- $7.4M
- On vehicle insurance · $1,954 a household
- Spending per listing
- $670K
- 47% below the U.S.
- Listings per 10k households
- 29.2
- 87% above the U.S.
- Population, 2025
- 9,415
- −0.8% since 2020
See the insurance agencies around any address in Howard County
The site report maps the insurance agencies on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of Howard County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
As of September 2026, map listings count 11 insurance agencies in Howard County. Of those, 3 are chain locations, or 27%, against 21% across the U.S. That is 29.2 per 10,000 households, 87% above the U.S. rate of 15.6.
At $1,954 per household (in line with the U.S. average), households in Howard County spend about $7.4M a year on vehicle insurance. Spread across 11 insurance agencies, that is $670K per agency, 47% below the U.S. figure of $1.3M.
In 2023, official counts showed 10 businesses with payroll in Howard County classed as insurance agencies and brokerages. That is one for every 377 households, against one for every 966 across the U.S.
Population estimates show Howard County declined 0.8% from 2020 to 2025, against +3.1% for the U.S. Counties under 10,000 people aren’t given a market score, since a few businesses can swing their figures.
How Howard County compares
The same measures for Iowa and the whole U.S. Spending per listing divides a year of household spending on all vehicle insurance by the insurance agencies counted, so it measures the demand for each competitor, not any business’s revenue. Households per establishment does the same with the official count.
| Measure | Howard County | Iowa | U.S. |
|---|---|---|---|
| Listings per 10k households | 29.2 | 17.7 | 15.6 |
| Spending per listing | $670K | $984K | $1.3M |
| Households per official establishment | 377 | 660 | 966 |
| Official establishment growth, 2019–2023 | n/a | −5.7% | −1.0% |
| Population growth, 2020–2025 | −0.8% | +1.5% | +3.1% |
| Spending per household on vehicle insurance | $1,954 | $1,738 | $1,957 |
| Median household income | $67,446 | $75,059 | $80,734 |
| Groundwork market score | Not scored | 20 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 9 → 10
- Employees, 2023
- 24
- Annual payroll, 2023
- $1.7M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 113 chain locations
- Listings at the U.S. rate for this spending
- 6The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as insurance agencies and brokerages in Howard County, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in Howard County
- Population, 2025 estimate
- 9,415−0.8% since 2020
- Households
- 3,773
- Median age
- 40.5
- Homes lived in by their owners
- 77%
- Vehicles per household
- 2.2
- Land area
- 473 sq. mi.
- People per square mile
- 20
- Median household income
- $67,446
- Average household income
- $87,621
- Median home value
- $147,800
- Jobs located here
- 4,105
- Daytime population
- 9,049Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Howard County?
These figures cover the whole county. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the insurance agencies on map listings by name and distance.
Or open the report at the center of Howard County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardInsurance agencies across Iowa
Every Iowa market ranked →The highest-scoring counties in Iowa for insurance agencies, numbered among those based in Iowa, with Howard County marked.
Top counties in Iowa
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Warren County, IA | 53 | 25 | 12.1 | $1.6M | +9.0% | #1,014 of 2,272 |
| 2Marion County, IA | 52 | 20 | 15.0 | $1.3M | +2.3% | #1,055 of 2,272 |
| 3Johnson County, IA | 51 | 62 | 9.8 | $1.6M | +4.6% | #1,073 of 2,272 |
| 4Madison County, IA | 48 | 7 | 10.5 | $1.9M | +3.8% | #1,165 of 2,272 |
| 5Benton County, IA | 46 | 12 | 11.8 | $1.8M | +1.8% | #1,240 of 2,272 |
| 6Mills County, IA | 45 | 7 | 13.0 | $1.5M | +2.6% | #1,277 of 2,272 |
| 7Jasper County, IA | 44 | 22 | 14.7 | $1.3M | +0.9% | #1,329 of 2,272 |
| 8Grundy County, IA | 40 | 6 | 11.7 | $1.6M | +0.2% | #1,438 of 2,272 |
| 9Story County, IA | 40 | 50 | 12.9 | $1.3M | +2.7% | #1,457 of 2,272 |
| 10Boone County, IA | 38 | 14 | 12.8 | $1.5M | +0.4% | #1,522 of 2,272 |
| Howard County, IA | Not scored | 11 | 29.2 | $670K | −0.8% |
Other business types in Howard County
None has a Groundwork market score here. Counties under 10,000 people aren’t scored, since a few businesses can swing their figures.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
Funeral services
Questions
How many insurance agencies are in Howard County, IA?
Howard County has 11 insurance agencies on map listings as of September 2026. 3 of them (27%) are chain locations. The listings count insurance agencies. Official counts show 10 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Howard County, IA spend on vehicle insurance?
About $7.4M a year, or $1,954 per household. That is in line with the U.S. average (an index of 100, where 100 is the U.S. average). Spread across the 11 insurance agencies on map listings, it comes to $670K per agency. It is estimated from the incomes of the 3,773 households in Howard County and national spending patterns by income.
How does Howard County, IA compare with the U.S. for insurance agencies?
Howard County has 29.2 insurance agencies per 10,000 households, 87% above the U.S. rate of 15.6. Spending per agency is $670K, 47% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Howard County would have about 6, against 11 on map listings. There is one business with payroll in the industry for every 377 households, against one for every 966 across the U.S.
How fast is Howard County, IA growing?
Population estimates put Howard County at 9,415 people in 2025, down 0.8% since 2020, against +3.1% for the U.S. It has 3,773 households. The median household income in Howard County is $67,446 a year, 16% below the U.S. median of $80,734.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. The score leaves out counties under 10,000 people, where a handful of businesses would swing it.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Howard County. It maps the insurance agencies on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for insurance agencies · All 56 business types in Howard County
Screening a site or an acquisition in Howard County?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of Howard County. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.