Auto · County · Texas
Insurance agencies in Gray County, TX
The insurance agencies in Gray County, TX, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 34 out of 100: Lower middle
Ranked #1,675 of 2,272 scored counties
#140 of 156 scored counties in Texas
- Listings
- 17
- 3 chain locations (18%)
- Official establishments
- 13
- Businesses with payroll, 2023
- Household spending a year
- $20.8M
- On vehicle insurance · $2,605 a household
- Spending per listing
- $1.2M
- 2% below the U.S.
- Listings per 10k households
- 21.3
- 37% above the U.S.
- Population, 2025
- 20,919
- −1.3% since 2020
See the insurance agencies around any address in Gray 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 Gray 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
Map listings as of September 2026 show 17 insurance agencies in Gray County. Of those, 3 are chain locations, or 18%, against 21% across the U.S. That comes to 21.3 for every 10,000 households, 37% above the U.S. rate of 15.6.
At $2,605 per household (33% above the U.S. average), households in Gray County spend about $20.8M a year on vehicle insurance. Spread across 17 insurance agencies, that is $1.2M per agency, 2% below the U.S. figure of $1.3M.
In 2023, official counts showed 13 businesses with payroll in Gray County classed as insurance agencies and brokerages. That is one for every 615 households, against one for every 966 across the U.S.
Population estimates put the population change in Gray County from 2020 to 2025 at −1.3%, against +3.1% for the U.S. For insurance agencies, Gray County has a Groundwork market score of 34 (lower middle): #1,675 of 2,272 scored counties and #140 of 156 scored counties in Texas.
How Gray County compares
The same measures for Texas 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 | Gray County | Texas | U.S. |
|---|---|---|---|
| Listings per 10k households | 21.3 | 20.3 | 15.6 |
| Spending per listing | $1.2M | $1.2M | $1.3M |
| Households per official establishment | 615 | 900 | 966 |
| Official establishment growth, 2019–2023 | n/a | +4.2% | −1.0% |
| Population growth, 2020–2025 | −1.3% | +8.5% | +3.1% |
| Spending per household on vehicle insurance | $2,605 | $2,466 | $1,957 |
| Median household income | $59,614 | $78,476 | $80,734 |
| Groundwork market score | 34 | 58 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 8 → 13
- Employees, 2023
- 37
- Annual payroll, 2023
- $2.1M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 173 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 Gray 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 Gray County
- Population, 2025 estimate
- 20,919−1.3% since 2020
- Households
- 7,991
- Median age
- 37.6
- Homes lived in by their owners
- 76%
- Vehicles per household
- 1.9
- Land area
- 926 sq. mi.
- People per square mile
- 23
- Median household income
- $59,614+24.3% vs. 2015–2019, before inflation
- Average household income
- $87,713
- Median home value
- $102,900
- Jobs located here
- 7,219
- Daytime population
- 19,509Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Gray 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 Gray 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 Texas
Every Texas market ranked →The highest-scoring counties in Texas for insurance agencies, numbered among those based in Texas, with Gray County marked.
Top counties in Texas
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Waller County, TX | 96 | 11 | 6.0 | $4.8M | +21.9% | #7 of 2,272 |
| 2Bandera County, TX | 95 | 7 | 7.6 | $3.7M | +9.0% | #18 of 2,272 |
| 3Chambers County, TX | 93 | 19 | 11.0 | $2.5M | +22.6% | #29 of 2,272 |
| 4Grimes County, TX | 92 | 8 | 7.8 | $3.5M | +16.3% | #31 of 2,272 |
| 5Caldwell County, TX | 92 | 16 | 9.6 | $2.9M | +20.0% | #37 of 2,272 |
| 6Bastrop County, TX | 92 | 40 | 10.8 | $2.6M | +21.3% | #39 of 2,272 |
| 7Blanco County, TX | 89 | 6 | 11.6 | $2.4M | +18.6% | #77 of 2,272 |
| 8Coryell County, TX | 84 | 20 | 7.4 | $3.4M | +3.0% | #138 of 2,272 |
| 9Wilson County, TX | 83 | 22 | 12.1 | $2.5M | +12.2% | #165 of 2,272 |
| 10Guadalupe County, TX | 83 | 76 | 11.6 | $2.4M | +15.8% | #168 of 2,272 |
| 140Gray County, TX | 34 | 17 | 21.3 | $1.2M | −1.3% | #1,675 of 2,272 |
Other business types in Gray 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 Gray County, TX?
There are 17 insurance agencies on map listings in Gray County as of September 2026. 3 of them (18%) are chain locations. The listings count insurance agencies. Official counts show 13 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Gray County, TX spend on vehicle insurance?
About $20.8M a year, or $2,605 per household. That is 33% above the U.S. average (an index of 133, where 100 is the U.S. average). Spread across the 17 insurance agencies on map listings, it comes to $1.2M per agency. It is estimated from the incomes of the 7,991 households in Gray County and national spending patterns by income.
How does Gray County, TX compare with the U.S. for insurance agencies?
Gray County has 21.3 insurance agencies per 10,000 households, 37% above the U.S. rate of 15.6. Spending per agency is $1.2M, 2% below the U.S. figure of $1.3M. The count on map listings matches the U.S. ratio of insurance agencies to household spending. There is one business with payroll in the industry for every 615 households, against one for every 966 across the U.S.
How fast is Gray County, TX growing?
Population estimates put Gray County at 20,919 people in 2025, down 1.3% since 2020, against +3.1% for the U.S. It has 7,991 households. The median household income in Gray County is $59,614 a year, 26% below the U.S. median of $80,734. That rose 24.3% 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. Gray County scores 34 for insurance agencies (lower middle), #1,675 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Gray 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 Gray County
Screening a site or an acquisition in Gray 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 Gray 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.