Auto · County · North Carolina
Insurance agencies in McDowell County, NC
Competitor counts, household spending and official business counts for insurance agencies in McDowell County, NC, set against other counties and the U.S.
Groundwork market score · out of 100
Score 82 out of 100: High
Ranked #179 of 2,272 scored counties
#31 of 90 scored counties in North Carolina
- Listings
- 17
- 7 chain locations (41%)
- Official establishments
- 10
- Businesses with payroll, 2023
- Household spending a year
- $50.4M
- On vehicle insurance · $2,703 a household
- Spending per listing
- $3M
- 2.4 times the U.S.
- Listings per 10k households
- 9.1
- 42% below the U.S.
- Population, 2025
- 45,198
- +1.5% since 2020
See the insurance agencies around any address in McDowell 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 McDowell 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
The Groundwork market score for insurance agencies in McDowell County is 82 (high), #179 of 2,272 scored counties and #31 of 90 scored counties in North Carolina. That puts it in the top 10% of counties for insurance agencies.
Map listings as of September 2026 show 17 insurance agencies in McDowell County. Of those, 7 are chain locations, or 41%, against 21% across the U.S. That comes to 9.1 for every 10,000 households, 42% below the U.S. rate of 15.6.
Households in McDowell County spend about $50.4M a year on vehicle insurance, or $2,703 per household, 38% above the U.S. average. Spread across 17 insurance agencies, that is $3M per agency, 2.4 times the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in McDowell County was 10 in 2023. That is one for every 1,864 households, against one for every 966 across the U.S. Between 2020 and 2025, the population of McDowell County grew 1.5%, slower than the U.S. (+3.1%).
How McDowell County compares
The same measures for North Carolina 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 | McDowell County | North Carolina | U.S. |
|---|---|---|---|
| Listings per 10k households | 9.1 | 13.0 | 15.6 |
| Spending per listing | $3M | $2M | $1.3M |
| Households per official establishment | 1,864 | 1,094 | 966 |
| Official establishment growth, 2019–2023 | n/a | +0.1% | −1.0% |
| Population growth, 2020–2025 | +1.5% | +7.2% | +3.1% |
| Spending per household on vehicle insurance | $2,703 | $2,564 | $1,957 |
| Median household income | $57,168 | $72,388 | $80,734 |
| Groundwork market score | 82 | 84 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 10 → 10
- Employees, 2023
- 30
- Annual payroll, 2023
- $1.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 177 chain locations
- Listings at the U.S. rate for this spending
- 40The 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 McDowell 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 McDowell County
- Population, 2025 estimate
- 45,198+1.5% since 2020
- Households
- 18,638
- Median age
- 44.7
- Homes lived in by their owners
- 76%
- Vehicles per household
- 2.0
- Land area
- 440 sq. mi.
- People per square mile
- 102
- Median household income
- $57,168+31.0% vs. 2015–2019, before inflation
- Average household income
- $72,753
- Median home value
- $171,100
- Jobs located here
- 15,917
- Daytime population
- 39,859Residents who don’t work, plus everyone whose job is here
Looking at a specific site in McDowell 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 McDowell 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 North Carolina
Every North Carolina market ranked →The highest-scoring counties in North Carolina for insurance agencies, numbered among those based in North Carolina, with McDowell County marked.
Top counties in North Carolina
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Currituck County, NC | 98 | 10 | 8.4 | $3.9M | +16.7% | #2 of 2,272 |
| 2Hoke County, NC | 95 | 11 | 5.7 | $4.7M | +9.0% | #14 of 2,272 |
| 3Franklin County, NC | 95 | 24 | 8.4 | $3.4M | +18.8% | #20 of 2,272 |
| 4Brunswick County, NC | 94 | 47 | 6.8 | $3.9M | +26.5% | #25 of 2,272 |
| 5Chatham County, NC | 91 | 26 | 7.9 | $3.5M | +11.0% | #45 of 2,272 |
| 6Pender County, NC | 90 | 12 | 4.7 | $5.9M | +19.0% | #52 of 2,272 |
| 7Polk County, NC | 90 | 6 | 6.7 | $4M | +6.0% | #53 of 2,272 |
| 8Johnston County, NC | 90 | 80 | 9.3 | $3.1M | +17.9% | #58 of 2,272 |
| 9Madison County, NC | 88 | 6 | 7.2 | $3.9M | +5.9% | #80 of 2,272 |
| 10Stokes County, NC | 88 | 15 | 7.7 | $3.9M | +3.5% | #81 of 2,272 |
| 31McDowell County, NC | 82 | 17 | 9.1 | $3M | +1.5% | #179 of 2,272 |
Other business types in McDowell 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 McDowell County, NC?
There are 17 insurance agencies on map listings in McDowell County as of September 2026. 7 of them (41%) 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 McDowell County, NC spend on vehicle insurance?
About $50.4M a year, or $2,703 per household. That is 38% above the U.S. average (an index of 138, where 100 is the U.S. average). Spread across the 17 insurance agencies on map listings, it comes to $3M per agency. It is estimated from the incomes of the 18,638 households in McDowell County and national spending patterns by income.
How does McDowell County, NC compare with the U.S. for insurance agencies?
McDowell County has 9.1 insurance agencies per 10,000 households, 42% below the U.S. rate of 15.6. Spending per agency is $3M, 2.4 times the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, McDowell County would have about 40, against 17 on map listings. There is one business with payroll in the industry for every 1,864 households, against one for every 966 across the U.S.
How fast is McDowell County, NC growing?
Population estimates put McDowell County at 45,198 people in 2025, up 1.5% since 2020, slower than the U.S. (+3.1%). It has 18,638 households. The median household income in McDowell County is $57,168 a year, 29% below the U.S. median of $80,734. That rose 31.0% 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. McDowell County scores 82 for insurance agencies (high), #179 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in McDowell 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 McDowell County
Screening a site or an acquisition in McDowell 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 McDowell 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.