Auto · Small-town market · Texas
Insurance agencies in the Vernon, TX area
Competitor counts, household spending and official business counts for insurance agencies in the Vernon, TX area, set against other small-town markets and the U.S.
Groundwork market score · out of 100
Score 26 out of 100: Lower middle
Ranked #460 of 537 scored small-town markets
#40 of 41 scored small-town markets based in Texas
- Listings
- 13
- 4 chain locations (31%)
- Official establishments
- 10
- Businesses with payroll, 2023
- Household spending a year
- $12.2M
- On vehicle insurance · $2,564 a household
- Spending per listing
- $942K
- 25% below the U.S.
- Listings per 10k households
- 27.2
- 74% above the U.S.
- Population, 2025
- 12,481
- −2.8% since 2020
See the insurance agencies around any address in the Vernon 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 Vernon 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
The Vernon area scores 26 (lower middle) on the Groundwork market score for insurance agencies, ranking #460 of 537 scored small-town markets and #40 of 41 scored small-town markets based in Texas. That puts it in the bottom quarter of small-town markets.
Households in the Vernon area spend about $12.2M a year on vehicle insurance, or $2,564 per household, 31% above the U.S. average. That is about $942K of household spending for each agency on map listings, 25% below the U.S. figure of $1.3M.
The Vernon area has 13 insurance agencies on map listings as of September 2026. 4 of them (31%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 27.2, 74% above the U.S. rate of 15.6.
In 2023, official counts showed 10 businesses with payroll in the Vernon area classed as insurance agencies and brokerages. That is one for every 478 households, against one for every 966 across the U.S. Between 2020 and 2025, the population of the Vernon area declined 2.8%, against +3.1% for the U.S.
How the Vernon 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 | Vernon area | Texas | U.S. |
|---|---|---|---|
| Listings per 10k households | 27.2 | 20.3 | 15.6 |
| Spending per listing | $942K | $1.2M | $1.3M |
| Households per official establishment | 478 | 900 | 966 |
| Official establishment growth, 2019–2023 | n/a | +4.2% | −1.0% |
| Population growth, 2020–2025 | −2.8% | +8.5% | +3.1% |
| Spending per household on vehicle insurance | $2,564 | $2,466 | $1,957 |
| Median household income | $54,102 | $78,476 | $80,734 |
| Groundwork market score | 26 | 58 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 10
- Employees, 2023
- 23
- Annual payroll, 2023
- $895K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 134 chain locations
- Listings at the U.S. rate for this spending
- 10The 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 Vernon 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 Vernon area
- Population, 2025 estimate
- 12,481−2.8% since 2020
- Households
- 4,778
- Median age
- 39.6
- Homes lived in by their owners
- 67%
- Vehicles per household
- 2.0
- Land area
- 971 sq. mi.
- People per square mile
- 13
- Median household income
- $54,102+19.4% vs. 2015–2019, before inflation
- Average household income
- $69,486
- Median home value
- $89,400
- Jobs located here
- 5,461
- Daytime population
- 11,849Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Vernon 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 Vernon 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 Vernon 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 |
| 40Vernon, TX | 26 | 13 | 27.2 | $942K | −2.8% | #460 of 537 |
Other business types in the Vernon 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 Vernon, TX area?
Map listings as of September 2026 show 13 insurance agencies in the Vernon area. 4 of them (31%) are chain locations. The listings count insurance agencies. Official counts show 10 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in the Vernon, TX area spend on vehicle insurance?
About $12.2M a year, or $2,564 per household. That is 31% above the U.S. average (an index of 131, where 100 is the U.S. average). Spread across the 13 insurance agencies on map listings, it comes to $942K per agency. It is estimated from the incomes of the 4,778 households in the Vernon area and national spending patterns by income.
How does the Vernon, TX area compare with the U.S. for insurance agencies?
The Vernon area has 27.2 insurance agencies per 10,000 households, 74% above the U.S. rate of 15.6. Spending per agency is $942K, 25% below the U.S. figure of $1.3M. At the U.S. ratio of insurance agencies to household spending, the Vernon area would have about 10, against 13 on map listings. There is one business with payroll in the industry for every 478 households, against one for every 966 across the U.S.
How fast is the Vernon, TX area growing?
Population estimates put the Vernon area at 12,481 people in 2025, down 2.8% since 2020, against +3.1% for the U.S. It has 4,778 households. Median household income in the Vernon area is $54,102, 33% below the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 19.4%, 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 Vernon area scores 26 for insurance agencies (lower middle), #460 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 Vernon 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 Vernon area
Screening a site or an acquisition in the Vernon 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 Vernon 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.