Auto · County · North Dakota
Insurance agencies in Ward County, ND
Competitor counts, household spending and official business counts for insurance agencies in Ward County, ND, set against other counties and the U.S.
Groundwork market score · out of 100
Score 19 out of 100: Low
Ranked #2,085 of 2,272 scored counties
#9 of 13 scored counties in North Dakota
- Listings
- 40
- 9 chain locations (23%)
- Official establishments
- 50
- −2.0% since 2019
- Household spending a year
- $48.6M
- On vehicle insurance · $1,701 a household
- Spending per listing
- $1.2M
- 3% below the U.S.
- Listings per 10k households
- 14.0
- 10% below the U.S.
- Population, 2025
- 68,233
- −2.4% since 2020
See the insurance agencies around any address in Ward 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 Ward 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
For insurance agencies, Ward County has a Groundwork market score of 19 (low): #2,085 of 2,272 scored counties and #9 of 13 scored counties in North Dakota. That puts it in the bottom quarter of counties.
As of September 2026, map listings count 40 insurance agencies in Ward County. Chain locations make up 23% of them, against 21% across the U.S. That comes to 14.0 for every 10,000 households, 10% below the U.S. rate of 15.6.
At $1,701 per household (13% below the U.S. average), households in Ward County spend about $48.6M a year on vehicle insurance. That works out to $1.2M per agency, 3% below the U.S. figure of $1.3M.
Official counts show 50 businesses with payroll classed as insurance agencies and brokerages in Ward County in 2023, down 2.0% from 2019. That is one for every 571 households, against one for every 966 across the U.S. Population estimates put the population change in Ward County from 2020 to 2025 at −2.4%, against +3.1% for the U.S.
How Ward 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 | Ward County | North Dakota | U.S. |
|---|---|---|---|
| Listings per 10k households | 14.0 | 17.7 | 15.6 |
| Spending per listing | $1.2M | $994K | $1.3M |
| Households per official establishment | 571 | 512 | 966 |
| Official establishment growth, 2019–2023 | −2.0% | −0.8% | −1.0% |
| Population growth, 2020–2025 | −2.4% | +2.5% | +3.1% |
| Spending per household on vehicle insurance | $1,701 | $1,756 | $1,957 |
| Median household income | $78,238 | $76,657 | $80,734 |
| Groundwork market score | 19 | 23 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 51 → 50−2.0% over the period
- Employees, 2023
- 134
- Annual payroll, 2023
- $9.7M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 409 chain locations
- Listings at the U.S. rate for this spending
- 39The 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 Ward 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 Ward County
- Population, 2025 estimate
- 68,233−2.4% since 2020
- Households
- 28,568
- Median age
- 35.7
- Homes lived in by their owners
- 61%
- Vehicles per household
- 1.9
- Land area
- 2,013 sq. mi.
- People per square mile
- 34
- Median household income
- $78,238+13.6% vs. 2015–2019, before inflation
- Average household income
- $102,307
- Median home value
- $267,100
- Jobs located here
- 30,323
- Daytime population
- 68,012Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Ward 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 Ward 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 Ward 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 |
Other business types in Ward 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 Ward County, ND?
Ward County has 40 insurance agencies on map listings as of September 2026. 9 of them (23%) are chain locations. The listings count insurance agencies. Official counts show 50 businesses with payroll classed as insurance agencies and brokerages in 2023, down 2.0% from 2019.
How much do households in Ward County, ND spend on vehicle insurance?
About $48.6M a year, or $1,701 per household. That is 13% below the U.S. average (an index of 87, where 100 is the U.S. average). Spread across the 40 insurance agencies on map listings, it comes to $1.2M per agency. It is estimated from the incomes of the 28,568 households in Ward County and national spending patterns by income.
How does Ward County, ND compare with the U.S. for insurance agencies?
Ward County has 14.0 insurance agencies per 10,000 households, 10% below the U.S. rate of 15.6. Spending per agency is $1.2M, 3% below the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Ward County would have about 39, against 40 on map listings. There is one business with payroll in the industry for every 571 households, against one for every 966 across the U.S. The official count fell 2.0% from 2019 to 2023, against −1.0% for the U.S.
How fast is Ward County, ND growing?
Population estimates put Ward County at 68,233 people in 2025, down 2.4% since 2020, against +3.1% for the U.S. It has 28,568 households. The median household income in Ward County is $78,238 a year, 3% below the U.S. median of $80,734. That rose 13.6% 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. Ward County scores 19 for insurance agencies (low), #2,085 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Ward 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 Ward County
Screening a site or an acquisition in Ward 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 Ward 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.