Auto · Small-town market · Maryland
Insurance agencies in the Ocean Pines, MD area
The insurance agencies in the Ocean Pines, MD area, the household spending behind them and how the market ranks against other small-town markets.
Groundwork market score · out of 100
Score 81 out of 100: High
Ranked #46 of 537 scored small-town markets
#1 of 4 scored small-town markets based in Maryland
- Listings
- 25
- 8 chain locations (32%)
- Official establishments
- 20
- Businesses with payroll, 2023
- Household spending a year
- $60.7M
- On vehicle insurance · $2,515 a household
- Spending per listing
- $2.4M
- 93% above the U.S.
- Listings per 10k households
- 10.4
- 33% below the U.S.
- Population, 2025
- 54,459
- +3.7% since 2020
See the insurance agencies around any address in the Ocean Pines area
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 the Ocean Pines area. 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
For insurance agencies, the Ocean Pines area has a Groundwork market score of 81 (high): #46 of 537 scored small-town markets and #1 of 4 scored small-town markets based in Maryland. That puts it in the top 10% of small-town markets for insurance agencies.
Map listings as of September 2026 show 25 insurance agencies in the Ocean Pines area. 8 of them (32%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 10.4, 33% below the U.S. rate of 15.6.
Households in the Ocean Pines area spend about $60.7M a year on vehicle insurance, or $2,515 per household, 28% above the U.S. average. That is about $2.4M of household spending for each agency on map listings, 93% above the U.S. figure of $1.3M.
In 2023, official counts showed 20 businesses with payroll in the Ocean Pines area classed as insurance agencies and brokerages. That is one for every 1,207 households, against one for every 966 across the U.S. Population estimates show the Ocean Pines area grew 3.7% from 2020 to 2025, faster than the U.S. (+3.1%).
How the Ocean Pines area compares
The same measures for Maryland 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 | Ocean Pines area | Maryland | U.S. |
|---|---|---|---|
| Listings per 10k households | 10.4 | 12.3 | 15.6 |
| Spending per listing | $2.4M | $1.9M | $1.3M |
| Households per official establishment | 1,207 | 1,274 | 966 |
| Official establishment growth, 2019–2023 | n/a | −6.8% | −1.0% |
| Population growth, 2020–2025 | +3.7% | +1.4% | +3.1% |
| Spending per household on vehicle insurance | $2,515 | $2,340 | $1,957 |
| Median household income | $81,745 | $103,678 | $80,734 |
| Groundwork market score | 81 | 73 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 20
- Employees, 2023
- 60
- Annual payroll, 2023
- $4M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 258 chain locations
- Listings at the U.S. rate for this spending
- 48The 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 the Ocean Pines area, 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 the Ocean Pines area
- Population, 2025 estimate
- 54,459+3.7% since 2020
- Households
- 24,136
- Median age
- 50.1
- Homes lived in by their owners
- 78%
- Vehicles per household
- 1.9
- Land area
- 468 sq. mi.
- People per square mile
- 115
- Median household income
- $81,745
- Average household income
- $117,610
- Median home value
- $374,700
- Jobs located here
- 22,476
- Daytime population
- 52,245Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Ocean Pines area?
These figures cover the whole small-town market. 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 the Ocean Pines area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardInsurance agencies across Maryland
Every Maryland market ranked →The highest-scoring small-town markets in Maryland for insurance agencies, numbered among those based in Maryland, with the Ocean Pines area marked.
Top small-town markets in Maryland
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Ocean Pines, MD | 81 | 25 | 10.4 | $2.4M | +3.7% | #46 of 537 |
| 2Cambridge, MD | 73 | 14 | 10.3 | $2.2M | +3.4% | #84 of 537 |
| 3Easton, MD | 63 | 23 | 14.0 | $1.7M | +2.0% | #157 of 537 |
| 4Cumberland, MD-WV | 62 | 52 | 13.5 | $1.7M | −1.3% | #165 of 537 |
Other business types in the Ocean Pines area
Each with its Groundwork market score here, out of 100, where it has one.
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 the Ocean Pines, MD area?
There are 25 insurance agencies on map listings in the Ocean Pines area as of September 2026. 8 of them (32%) are chain locations. The listings count insurance agencies. Official counts show 20 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in the Ocean Pines, MD area spend on vehicle insurance?
About $60.7M a year, or $2,515 per household. That is 28% above the U.S. average (an index of 128, where 100 is the U.S. average). Spread across the 25 insurance agencies on map listings, it comes to $2.4M per agency. It is estimated from the incomes of the 24,136 households in the Ocean Pines area and national spending patterns by income.
How does the Ocean Pines, MD area compare with the U.S. for insurance agencies?
The Ocean Pines area has 10.4 insurance agencies per 10,000 households, 33% below the U.S. rate of 15.6. Spending per agency is $2.4M, 93% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, the Ocean Pines area would have about 48, against 25 on map listings. There is one business with payroll in the industry for every 1,207 households, against one for every 966 across the U.S.
How fast is the Ocean Pines, MD area growing?
Population estimates put the Ocean Pines area at 54,459 people in 2025, up 3.7% since 2020, faster than the U.S. (+3.1%). It has 24,136 households. The median household income in the Ocean Pines area is $81,745 a year, in line with 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. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. 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 Ocean Pines area scores 81 for insurance agencies (high), #46 of 537 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Ocean Pines area. 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 the Ocean Pines area
Screening a site or an acquisition in the Ocean Pines area?
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 the Ocean Pines area. 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.