Auto · County · Texas
Insurance agencies in Howard County, TX
Competitor counts, household spending and official business counts for insurance agencies in Howard County, TX, set against other counties and the U.S.
Groundwork market score · out of 100
Score 39 out of 100: Lower middle
Ranked #1,490 of 2,272 scored counties
#130 of 156 scored counties in Texas
- Listings
- 20
- 5 chain locations (25%)
- Official establishments
- 13
- Businesses with payroll, 2023
- Household spending a year
- $28.9M
- On vehicle insurance · $2,370 a household
- Spending per listing
- $1.4M
- 15% above the U.S.
- Listings per 10k households
- 16.4
- 5% above the U.S.
- Population, 2025
- 30,504
- −12.4% since 2020
See the insurance agencies around any address in Howard 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 Howard 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 20 insurance agencies in Howard County. Chain locations make up 25% of them, against 21% across the U.S. Per 10,000 households, that is 16.4, 5% above the U.S. rate of 15.6.
Household spending on vehicle insurance in Howard County comes to about $28.9M a year: $2,370 per household, 21% above the U.S. average. Spread across 20 insurance agencies, that is $1.4M per agency, 15% above the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Howard County was 13 in 2023. That is one for every 938 households, against one for every 966 across the U.S.
Population estimates show Howard County declined 12.4% from 2020 to 2025, against +3.1% for the U.S. Howard County scores 39 (lower middle) on the Groundwork market score for insurance agencies, ranking #1,490 of 2,272 scored counties and #130 of 156 scored counties in Texas.
How Howard 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 | Howard County | Texas | U.S. |
|---|---|---|---|
| Listings per 10k households | 16.4 | 20.3 | 15.6 |
| Spending per listing | $1.4M | $1.2M | $1.3M |
| Households per official establishment | 938 | 900 | 966 |
| Official establishment growth, 2019–2023 | n/a | +4.2% | −1.0% |
| Population growth, 2020–2025 | −12.4% | +8.5% | +3.1% |
| Spending per household on vehicle insurance | $2,370 | $2,466 | $1,957 |
| Median household income | $69,649 | $78,476 | $80,734 |
| Groundwork market score | 39 | 58 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 12 → 13
- Employees, 2023
- 54
- Annual payroll, 2023
- $2.6M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 205 chain locations
- Listings at the U.S. rate for this spending
- 23The 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 Howard 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 Howard County
- Population, 2025 estimate
- 30,504−12.4% since 2020
- Households
- 12,191
- Median age
- 37.9
- Homes lived in by their owners
- 70%
- Vehicles per household
- 1.8
- Land area
- 901 sq. mi.
- People per square mile
- 36
- Median household income
- $69,649+28.5% vs. 2015–2019, before inflation
- Average household income
- $90,688
- Median home value
- $155,600
- Jobs located here
- 11,735
- Daytime population
- 29,322Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Howard 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 Howard 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 Howard 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 |
| 130Howard County, TX | 39 | 20 | 16.4 | $1.4M | −12.4% | #1,490 of 2,272 |
Other business types in Howard 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 Howard County, TX?
Howard County has 20 insurance agencies on map listings as of September 2026. 5 of them (25%) 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 Howard County, TX spend on vehicle insurance?
About $28.9M a year, or $2,370 per household. That is 21% above the U.S. average (an index of 121, where 100 is the U.S. average). Spread across the 20 insurance agencies on map listings, it comes to $1.4M per agency. It is estimated from the incomes of the 12,191 households in Howard County and national spending patterns by income.
How does Howard County, TX compare with the U.S. for insurance agencies?
Howard County has 16.4 insurance agencies per 10,000 households, 5% above the U.S. rate of 15.6. Spending per agency is $1.4M, 15% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Howard County would have about 23, against 20 on map listings. There is one business with payroll in the industry for every 938 households, against one for every 966 across the U.S.
How fast is Howard County, TX growing?
Population estimates put Howard County at 30,504 people in 2025, down 12.4% since 2020, against +3.1% for the U.S. It has 12,191 households. The median household income in Howard County is $69,649 a year, 14% below the U.S. median of $80,734. That rose 28.5% 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. Howard County scores 39 for insurance agencies (lower middle), #1,490 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Howard 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 Howard County
Screening a site or an acquisition in Howard 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 Howard 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.