Auto · Small-town market · Nebraska
Insurance agencies in the Norfolk, NE area
Competitor counts, household spending and official business counts for insurance agencies in the Norfolk, NE area, set against other small-town markets and the U.S.
Groundwork market score · out of 100
Score 20 out of 100: Low
Ranked #490 of 537 scored small-town markets
#7 of 9 scored small-town markets based in Nebraska
- Listings
- 51
- 9 chain locations (18%)
- Official establishments
- 53
- 0.0% since 2019
- Household spending a year
- $35.3M
- On vehicle insurance · $1,802 a household
- Spending per listing
- $693K
- 45% below the U.S.
- Listings per 10k households
- 26.0
- 67% above the U.S.
- Population, 2025
- 49,228
- +1.1% since 2020
See the insurance agencies around any address in the Norfolk 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 Norfolk 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 Norfolk area has a Groundwork market score of 20 (low): #490 of 537 scored small-town markets and #7 of 9 scored small-town markets based in Nebraska. That puts it in the bottom quarter of small-town markets.
At $1,802 per household (8% below the U.S. average), households in the Norfolk area spend about $35.3M a year on vehicle insurance. Spread across 51 insurance agencies, that is $693K per agency, 45% below the U.S. figure of $1.3M.
The Norfolk area has 51 insurance agencies on map listings as of September 2026. Chain locations make up 18% of them, against 21% across the U.S. Per 10,000 households, that is 26.0, 67% above the U.S. rate of 15.6.
The official count of businesses with payroll classed as insurance agencies and brokerages in the Norfolk area was 53 in 2023, unchanged from 2019. That is one for every 370 households, against one for every 966 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $350K has gone to businesses classed as insurance agencies and brokerages in the Norfolk area. Population estimates show the Norfolk area grew 1.1% from 2020 to 2025, slower than the U.S. (+3.1%).
How the Norfolk area compares
The same measures for Nebraska 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 | Norfolk area | Nebraska | U.S. |
|---|---|---|---|
| Listings per 10k households | 26.0 | 20.4 | 15.6 |
| Spending per listing | $693K | $859K | $1.3M |
| Households per official establishment | 370 | 516 | 966 |
| Official establishment growth, 2019–2023 | 0.0% | +0.1% | −1.0% |
| Population growth, 2020–2025 | +1.1% | +2.8% | +3.1% |
| Spending per household on vehicle insurance | $1,802 | $1,750 | $1,957 |
| Median household income | $65,968 | $76,475 | $80,734 |
| Groundwork market score | 20 | 22 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 530.0% over the period
- Employees, 2023
- 170
- Annual payroll, 2023
- $8.8M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 519 chain locations
- Listings at the U.S. rate for this spending
- 28The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $350K
SBA-backed loans to businesses classed as insurance agencies and brokerages in the Norfolk 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 Norfolk area
- Population, 2025 estimate
- 49,228+1.1% since 2020
- Households
- 19,617
- Median age
- 38.9
- Homes lived in by their owners
- 69%
- Vehicles per household
- 2.1
- Land area
- 1,574 sq. mi.
- People per square mile
- 31
- Median household income
- $65,968+18.2% vs. 2015–2019, before inflation
- Average household income
- $88,357
- Median home value
- $204,700
- Jobs located here
- 24,757
- Daytime population
- 48,024Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Norfolk 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 Norfolk 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 Nebraska
Every Nebraska market ranked →The highest-scoring small-town markets in Nebraska for insurance agencies, numbered among those based in Nebraska, with the Norfolk area marked.
Top small-town markets in Nebraska
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Columbus, NE | 35 | 30 | 17.3 | $1.1M | +3.8% | #400 of 537 |
| 2Lexington, NE | 33 | 17 | 17.0 | $1.2M | +1.1% | #419 of 537 |
| 3Beatrice, NE | 28 | 17 | 18.2 | $1M | +0.2% | #444 of 537 |
| 4Fremont, NE | 27 | 36 | 23.7 | $779K | +2.6% | #454 of 537 |
| 5Kearney, NE | 25 | 54 | 23.7 | $789K | +1.9% | #467 of 537 |
| 6Hastings, NE | 21 | 41 | 24.0 | $792K | −0.2% | #482 of 537 |
| 7Norfolk, NE | 20 | 51 | 26.0 | $693K | +1.1% | #490 of 537 |
| 8Scottsbluff, NE | 17 | 30 | 19.5 | $898K | −1.2% | #508 of 537 |
| 9North Platte, NE | 17 | 37 | 24.4 | $754K | −3.6% | #509 of 537 |
Other business types in the Norfolk 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 Norfolk, NE area?
Map listings as of September 2026 show 51 insurance agencies in the Norfolk area. 9 of them (18%) are chain locations. The listings count insurance agencies. Official counts show 53 businesses with payroll classed as insurance agencies and brokerages in 2023, unchanged from 2019.
How much do households in the Norfolk, NE area spend on vehicle insurance?
About $35.3M a year, or $1,802 per household. That is 8% below the U.S. average (an index of 92, where 100 is the U.S. average). Spread across the 51 insurance agencies on map listings, it comes to $693K per agency. It is estimated from the incomes of the 19,617 households in the Norfolk area and national spending patterns by income.
How does the Norfolk, NE area compare with the U.S. for insurance agencies?
The Norfolk area has 26.0 insurance agencies per 10,000 households, 67% above the U.S. rate of 15.6. Spending per agency is $693K, 45% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, the Norfolk area would have about 28, against 51 on map listings. There is one business with payroll in the industry for every 370 households, against one for every 966 across the U.S. The official count held level from 2019 to 2023, against −1.0% for the U.S.
How fast is the Norfolk, NE area growing?
Population estimates put the Norfolk area at 49,228 people in 2025, up 1.1% since 2020, slower than the U.S. (+3.1%). It has 19,617 households. Median household income in the Norfolk area is $65,968, 18% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 18.2%, before inflation.
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 Norfolk area scores 20 for insurance agencies (low), #490 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 Norfolk 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 Norfolk area
Screening a site or an acquisition in the Norfolk 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 Norfolk 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.