Auto · County · North Dakota
Insurance agencies in Ramsey County, ND
How Ramsey County, ND 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 13 out of 100: Low
Ranked #2,203 of 2,272 scored counties
#13 of 13 scored counties in North Dakota
- Listings
- 9
- 1 chain location (11%)
- Official establishments
- 11
- Businesses with payroll, 2023
- Household spending a year
- $8.6M
- On vehicle insurance · $1,582 a household
- Spending per listing
- $951K
- 24% below the U.S.
- Listings per 10k households
- 16.6
- 6% above the U.S.
- Population, 2025
- 11,530
- −0.4% since 2020
See the insurance agencies around any address in Ramsey 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 Ramsey 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
Ramsey County scores 13 (low) on the Groundwork market score for insurance agencies, ranking #2,203 of 2,272 scored counties and #13 of 13 scored counties in North Dakota. That puts it in the bottom quarter of counties.
As of September 2026, map listings count 9 insurance agencies in Ramsey County. One of them (11%) is a chain location, against 21% across the U.S. Per 10,000 households, that is 16.6, 6% above the U.S. rate of 15.6.
Households in Ramsey County spend about $8.6M a year on vehicle insurance, or $1,582 per household, 19% below the U.S. average. That is about $951K of household spending for each agency on map listings, 24% below the U.S. figure of $1.3M.
Official counts show 11 businesses with payroll classed as insurance agencies and brokerages in Ramsey County in 2023. That is one for every 492 households, against one for every 966 across the U.S. Between 2020 and 2025, the population of Ramsey County declined 0.4%, against +3.1% for the U.S.
How Ramsey County compares
The same measures for North Dakota 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 | Ramsey County | North Dakota | U.S. |
|---|---|---|---|
| Listings per 10k households | 16.6 | 17.7 | 15.6 |
| Spending per listing | $951K | $994K | $1.3M |
| Households per official establishment | 492 | 512 | 966 |
| Official establishment growth, 2019–2023 | n/a | −0.8% | −1.0% |
| Population growth, 2020–2025 | −0.4% | +2.5% | +3.1% |
| Spending per household on vehicle insurance | $1,582 | $1,756 | $1,957 |
| Median household income | $61,006 | $76,657 | $80,734 |
| Groundwork market score | 13 | 23 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 14 → 11
- Employees, 2023
- 33
- Annual payroll, 2023
- $2.2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 91 chain location
- Listings at the U.S. rate for this spending
- 7The 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 Ramsey 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 Ramsey County
- Population, 2025 estimate
- 11,530−0.4% since 2020
- Households
- 5,410
- Median age
- 41.8
- Homes lived in by their owners
- 55%
- Vehicles per household
- 1.7
- Land area
- 1,185 sq. mi.
- People per square mile
- 10
- Median household income
- $61,006+3.6% vs. 2015–2019, before inflation
- Average household income
- $84,482
- Median home value
- $199,300
- Jobs located here
- 5,171
- Daytime population
- 11,239Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Ramsey 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 Ramsey 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 Dakota
Every North Dakota market ranked →The highest-scoring counties in North Dakota for insurance agencies, numbered among those based in North Dakota, with Ramsey County marked.
Top counties in North Dakota
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1McKenzie County, ND | 56 | 6 | 10.0 | $2.1M | +2.8% | #899 of 2,272 |
| 2Williams County, ND | 43 | 15 | 9.9 | $1.8M | +1.4% | #1,343 of 2,272 |
| 3Morton County, ND | 38 | 22 | 15.8 | $1.3M | +3.8% | #1,529 of 2,272 |
| 4Grand Forks County, ND | 31 | 43 | 13.7 | $1.1M | +1.9% | #1,774 of 2,272 |
| 5Burleigh County, ND | 25 | 78 | 18.9 | $909K | +4.7% | #1,956 of 2,272 |
| 6Stark County, ND | 24 | 23 | 17.0 | $1M | +0.5% | #1,973 of 2,272 |
| 7Cass County, ND | 24 | 165 | 19.7 | $793K | +9.1% | #1,989 of 2,272 |
| 8Barnes County, ND | 20 | 8 | 16.3 | $1.2M | −2.7% | #2,068 of 2,272 |
| 9Ward County, ND | 19 | 40 | 14.0 | $1.2M | −2.4% | #2,085 of 2,272 |
| 10Richland County, ND | 19 | 14 | 20.4 | $888K | +1.2% | #2,098 of 2,272 |
| 13Ramsey County, ND | 13 | 9 | 16.6 | $951K | −0.4% | #2,203 of 2,272 |
Other business types in Ramsey 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 Ramsey County, ND?
Ramsey County has 9 insurance agencies on map listings as of September 2026. One of them (11%) is a chain location. The listings count insurance agencies. Official counts show 11 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Ramsey County, ND spend on vehicle insurance?
About $8.6M a year, or $1,582 per household. That is 19% below the U.S. average (an index of 81, where 100 is the U.S. average). Spread across the 9 insurance agencies on map listings, it comes to $951K per agency. It is estimated from the incomes of the 5,410 households in Ramsey County and national spending patterns by income.
How does Ramsey County, ND compare with the U.S. for insurance agencies?
Ramsey County has 16.6 insurance agencies per 10,000 households, 6% above the U.S. rate of 15.6. Spending per agency is $951K, 24% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Ramsey County would have about 7, against 9 on map listings. There is one business with payroll in the industry for every 492 households, against one for every 966 across the U.S.
How fast is Ramsey County, ND growing?
Population estimates put Ramsey County at 11,530 people in 2025, down 0.4% since 2020, against +3.1% for the U.S. It has 5,410 households. The median household income in Ramsey County is $61,006 a year, 24% below the U.S. median of $80,734. That rose 3.6% 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. Ramsey County scores 13 for insurance agencies (low), #2,203 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Ramsey 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 Ramsey County
Screening a site or an acquisition in Ramsey 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 Ramsey 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.