Auto · County · New York
Insurance agencies in Schoharie County, NY
How Schoharie County, NY compares with other counties and the U.S. for insurance agencies: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 51 out of 100: Upper middle
Ranked #1,088 of 2,272 scored counties
#17 of 60 scored counties in New York
- Listings
- 15
- 2 chain locations (13%)
- Official establishments
- 6
- Businesses with payroll, 2023
- Household spending a year
- $20.8M
- On vehicle insurance · $1,615 a household
- Spending per listing
- $1.4M
- 10% above the U.S.
- Listings per 10k households
- 11.7
- 25% below the U.S.
- Population, 2025
- 30,176
- +1.4% since 2020
See the insurance agencies around any address in Schoharie 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 Schoharie 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 15 insurance agencies in Schoharie County. 2 of them (13%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 11.7, 25% below the U.S. rate of 15.6.
Households in Schoharie County spend about $20.8M a year on vehicle insurance, or $1,615 per household, 17% below the U.S. average. That works out to $1.4M per agency, 10% above the U.S. figure of $1.3M.
In 2023, official counts showed 6 businesses with payroll in Schoharie County classed as insurance agencies and brokerages. That is one for every 2,144 households, against one for every 966 across the U.S.
Population estimates put the population change in Schoharie County from 2020 to 2025 at +1.4%, slower than the U.S. (+3.1%). The Groundwork market score for insurance agencies in Schoharie County is 51 (upper middle), #1,088 of 2,272 scored counties and #17 of 60 scored counties in New York.
How Schoharie County compares
The same measures for New York 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 | Schoharie County | New York | U.S. |
|---|---|---|---|
| Listings per 10k households | 11.7 | 10.7 | 15.6 |
| Spending per listing | $1.4M | $1.1M | $1.3M |
| Households per official establishment | 2,144 | 1,216 | 966 |
| Official establishment growth, 2019–2023 | n/a | −4.7% | −1.0% |
| Population growth, 2020–2025 | +1.4% | −0.6% | +3.1% |
| Spending per household on vehicle insurance | $1,615 | $1,132 | $1,957 |
| Median household income | $70,133 | $85,974 | $80,734 |
| Groundwork market score | 51 | 28 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 6 → 6
- Employees, 2023
- 19
- Annual payroll, 2023
- $864K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 152 chain locations
- Listings at the U.S. rate for this spending
- 17The 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 Schoharie 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 Schoharie County
- Population, 2025 estimate
- 30,176+1.4% since 2020
- Households
- 12,861
- Median age
- 46.7
- Homes lived in by their owners
- 76%
- Vehicles per household
- 1.8
- Land area
- 622 sq. mi.
- People per square mile
- 48
- Median household income
- $70,133+21.5% vs. 2015–2019, before inflation
- Average household income
- $90,591
- Median home value
- $192,500
- Jobs located here
- 7,692
- Daytime population
- 26,987Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Schoharie 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 Schoharie 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 New York
Every New York market ranked →The highest-scoring counties in New York for insurance agencies, numbered among those based in New York, with Schoharie County marked.
Top counties in New York
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Tioga County, NY | 63 | 10 | 4.9 | $3.3M | −1.9% | #677 of 2,272 |
| 2Allegany County, NY | 62 | 12 | 6.8 | $2.3M | +0.9% | #714 of 2,272 |
| 3Seneca County, NY | 61 | 7 | 5.1 | $3M | −1.7% | #742 of 2,272 |
| 4Wayne County, NY | 61 | 23 | 6.0 | $2.7M | +0.1% | #744 of 2,272 |
| 5Washington County, NY | 60 | 12 | 4.9 | $3.3M | −2.9% | #770 of 2,272 |
| 6Orleans County, NY | 59 | 11 | 6.8 | $2.4M | −0.5% | #792 of 2,272 |
| 7Richmond County, NY | 58 | 112 | 6.6 | $2M | +1.3% | #835 of 2,272 |
| 8Chenango County, NY | 57 | 13 | 6.5 | $2.4M | −2.9% | #858 of 2,272 |
| 9Yates County, NY | 57 | 6 | 6.3 | $2.3M | −0.8% | #860 of 2,272 |
| 10Rensselaer County, NY | 57 | 49 | 7.3 | $2M | −0.2% | #866 of 2,272 |
| 17Schoharie County, NY | 51 | 15 | 11.7 | $1.4M | +1.4% | #1,088 of 2,272 |
Other business types in Schoharie County
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 Schoharie County, NY?
Schoharie County has 15 insurance agencies on map listings as of September 2026. 2 of them (13%) are chain locations. The listings count insurance agencies. Official counts show 6 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Schoharie County, NY spend on vehicle insurance?
About $20.8M a year, or $1,615 per household. That is 17% below the U.S. average (an index of 83, where 100 is the U.S. average). Spread across the 15 insurance agencies on map listings, it comes to $1.4M per agency. It is estimated from the incomes of the 12,861 households in Schoharie County and national spending patterns by income.
How does Schoharie County, NY compare with the U.S. for insurance agencies?
Schoharie County has 11.7 insurance agencies per 10,000 households, 25% below the U.S. rate of 15.6. Spending per agency is $1.4M, 10% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Schoharie County would have about 17, against 15 on map listings. There is one business with payroll in the industry for every 2,144 households, against one for every 966 across the U.S.
How fast is Schoharie County, NY growing?
Population estimates put Schoharie County at 30,176 people in 2025, up 1.4% since 2020, slower than the U.S. (+3.1%). It has 12,861 households. The median household income in Schoharie County is $70,133 a year, 13% below the U.S. median of $80,734. That rose 21.5% from the 2015–2019 survey, 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. 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. Schoharie County scores 51 for insurance agencies (upper middle), #1,088 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Schoharie 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 Schoharie County
Screening a site or an acquisition in Schoharie 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 Schoharie 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.