Auto · Small-town market · Texas
Insurance agencies in the Pampa, TX area
The insurance agencies in the Pampa, TX area, the household spending behind them and how the market ranks against other small-town markets.
Groundwork market score · out of 100
Score 39 out of 100: Lower middle
Ranked #361 of 537 scored small-town markets
#35 of 41 scored small-town markets based in Texas
- Listings
- 17
- 3 chain locations (18%)
- Official establishments
- 13
- Businesses with payroll, 2023
- Household spending a year
- $21.7M
- On vehicle insurance · $2,614 a household
- Spending per listing
- $1.3M
- 2% above the U.S.
- Listings per 10k households
- 20.4
- 31% above the U.S.
- Population, 2025
- 21,786
- −1.1% since 2020
See the insurance agencies around any address in the Pampa area
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 the Pampa area. 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 the Pampa area. 3 of them (18%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 20.4, 31% above the U.S. rate of 15.6.
Household spending on vehicle insurance in the Pampa area comes to about $21.7M a year: $2,614 per household, 34% above the U.S. average. That works out to $1.3M per agency, 2% above the U.S. figure of $1.3M.
In 2023, official counts showed 13 businesses with payroll in the Pampa area classed as insurance agencies and brokerages. That is one for every 640 households, against one for every 966 across the U.S.
Population estimates show the Pampa area declined 1.1% from 2020 to 2025, against +3.1% for the U.S. For insurance agencies, the Pampa area has a Groundwork market score of 39 (lower middle): #361 of 537 scored small-town markets and #35 of 41 scored small-town markets based in Texas.
How the Pampa area 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 | Pampa area | Texas | U.S. |
|---|---|---|---|
| Listings per 10k households | 20.4 | 20.3 | 15.6 |
| Spending per listing | $1.3M | $1.2M | $1.3M |
| Households per official establishment | 640 | 900 | 966 |
| Official establishment growth, 2019–2023 | n/a | +4.2% | −1.0% |
| Population growth, 2020–2025 | −1.1% | +8.5% | +3.1% |
| Spending per household on vehicle insurance | $2,614 | $2,466 | $1,957 |
| Median household income | $60,317 | $78,476 | $80,734 |
| Groundwork market score | 39 | 58 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 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 the Pampa area, 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 the Pampa area
- Population, 2025 estimate
- 21,786−1.1% since 2020
- Households
- 8,314
- Median age
- 37.7
- Homes lived in by their owners
- 77%
- Vehicles per household
- 1.9
- Land area
- 1,850 sq. mi.
- People per square mile
- 12
- Median household income
- $60,317+22.3% vs. 2015–2019, before inflation
- Average household income
- $87,535
- Median home value
- $106,200
- Jobs located here
- 7,332
- Daytime population
- 20,078Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Pampa area?
These figures cover the whole small-town market. 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 the Pampa area. 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 small-town markets in Texas for insurance agencies, numbered among those based in Texas, with the Pampa area marked.
Top small-town markets in Texas
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Athens, TX | 88 | 39 | 11.6 | $2.3M | +7.5% | #21 of 537 |
| 2Gainesville, TX | 80 | 29 | 17.5 | $1.6M | +6.5% | #53 of 537 |
| 3Bonham, TX | 79 | 14 | 11.0 | $2.6M | +9.2% | #54 of 537 |
| 4Jacksonville, TX | 78 | 23 | 12.6 | $2M | +5.4% | #61 of 537 |
| 5Kerrville, TX | 78 | 28 | 12.4 | $2M | +2.5% | #62 of 537 |
| 6Bay City, TX | 77 | 16 | 10.4 | $2.3M | +0.5% | #64 of 537 |
| 7Andrews, TX | 74 | 11 | 16.1 | $1.7M | +1.6% | #79 of 537 |
| 8Fredericksburg, TX | 73 | 20 | 17.4 | $1.5M | +6.6% | #86 of 537 |
| 9Port Lavaca, TX | 71 | 12 | 13.8 | $1.9M | −2.3% | #94 of 537 |
| 10Brenham, TX | 71 | 23 | 14.9 | $1.6M | +7.0% | #99 of 537 |
| 35Pampa, TX | 39 | 17 | 20.4 | $1.3M | −1.1% | #361 of 537 |
Other business types in the Pampa area
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 the Pampa, TX area?
There are 17 insurance agencies on map listings in the Pampa area 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 the Pampa, TX area spend on vehicle insurance?
About $21.7M a year, or $2,614 per household. That is 34% above the U.S. average (an index of 134, where 100 is the U.S. average). Spread across the 17 insurance agencies on map listings, it comes to $1.3M per agency. It is estimated from the incomes of the 8,314 households in the Pampa area and national spending patterns by income.
How does the Pampa, TX area compare with the U.S. for insurance agencies?
The Pampa area has 20.4 insurance agencies per 10,000 households, 31% above the U.S. rate of 15.6. Spending per agency is $1.3M, 2% above 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 640 households, against one for every 966 across the U.S.
How fast is the Pampa, TX area growing?
Population estimates put the Pampa area at 21,786 people in 2025, down 1.1% since 2020, against +3.1% for the U.S. It has 8,314 households. The median household income in the Pampa area is $60,317 a year, 25% below the U.S. median of $80,734. That rose 22.3% 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. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. 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. The Pampa area scores 39 for insurance agencies (lower middle), #361 of 537 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Pampa area. 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 the Pampa area
Screening a site or an acquisition in the Pampa area?
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 the Pampa area. 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.