Auto · County · West Virginia
Insurance agencies in Hardy County, WV
How Hardy County, WV compares with other counties and the U.S. for insurance agencies: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 48 out of 100: Lower middle
Ranked #1,175 of 2,272 scored counties
#27 of 42 scored counties in West Virginia
- Listings
- 10
- 3 chain locations (30%)
- Official establishments
- 8
- Businesses with payroll, 2023
- Household spending a year
- $15.7M
- On vehicle insurance · $2,630 a household
- Spending per listing
- $1.6M
- 25% above the U.S.
- Listings per 10k households
- 16.8
- 8% above the U.S.
- Population, 2025
- 14,337
- +0.7% since 2020
See the insurance agencies around any address in Hardy 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 Hardy 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 10 insurance agencies in Hardy County. 3 of them (30%) are chain locations, against 21% across the U.S. Per 10,000 households, that is 16.8, 8% above the U.S. rate of 15.6.
At $2,630 per household (34% above the U.S. average), households in Hardy County spend about $15.7M a year on vehicle insurance. Spread across 10 insurance agencies, that is $1.6M per agency, 25% above the U.S. figure of $1.3M.
The official count of businesses with payroll classed as insurance agencies and brokerages in Hardy County was 8 in 2023. That is one for every 744 households, against one for every 966 across the U.S.
Population estimates show Hardy County grew 0.7% from 2020 to 2025, slower than the U.S. (+3.1%). Hardy County scores 48 (lower middle) on the Groundwork market score for insurance agencies, ranking #1,175 of 2,272 scored counties and #27 of 42 scored counties in West Virginia.
How Hardy County compares
The same measures for West Virginia 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 | Hardy County | West Virginia | U.S. |
|---|---|---|---|
| Listings per 10k households | 16.8 | 14.2 | 15.6 |
| Spending per listing | $1.6M | $1.6M | $1.3M |
| Households per official establishment | 744 | 1,144 | 966 |
| Official establishment growth, 2019–2023 | n/a | −0.9% | −1.0% |
| Population growth, 2020–2025 | +0.7% | −1.4% | +3.1% |
| Spending per household on vehicle insurance | $2,630 | $2,331 | $1,957 |
| Median household income | $49,272 | $59,608 | $80,734 |
| Groundwork market score | 48 | 61 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 8 → 8
- Employees, 2023
- 20
- Annual payroll, 2023
- $1.2M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 103 chain locations
- Listings at the U.S. rate for this spending
- 13The 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 Hardy 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 Hardy County
- Population, 2025 estimate
- 14,337+0.7% since 2020
- Households
- 5,954
- Median age
- 46.1
- Homes lived in by their owners
- 77%
- Vehicles per household
- 2.0
- Land area
- 582 sq. mi.
- People per square mile
- 24
- Median household income
- $49,272+3.9% vs. 2015–2019, before inflation
- Average household income
- $68,673
- Median home value
- $166,300
- Jobs located here
- 5,666
- Daytime population
- 13,105Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Hardy 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 Hardy 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 West Virginia
Every West Virginia market ranked →The highest-scoring counties in West Virginia for insurance agencies, numbered among those based in West Virginia, with Hardy County marked.
Top counties in West Virginia
| Market | Score | Listings | Per 10k households | Spending per listing | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Berkeley County, WV | 92 | 41 | 8.0 | $3.4M | +13.7% | #32 of 2,272 |
| 2Morgan County, WV | 92 | 7 | 9.5 | $3M | +5.5% | #36 of 2,272 |
| 3Jefferson County, WV | 86 | 28 | 12.3 | $2.3M | +9.2% | #118 of 2,272 |
| 4Hampshire County, WV | 79 | 11 | 12.7 | $2.1M | +4.4% | #251 of 2,272 |
| 5Preston County, WV | 75 | 9 | 7.0 | $3.6M | −0.6% | #327 of 2,272 |
| 6Mineral County, WV | 70 | 12 | 10.8 | $2.3M | −0.4% | #462 of 2,272 |
| 7Wyoming County, WV | 69 | 5 | 6.2 | $3.9M | −7.1% | #485 of 2,272 |
| 8Lincoln County, WV | 67 | 6 | 7.8 | $2.9M | −5.8% | #537 of 2,272 |
| 9Mason County, WV | 67 | 10 | 9.8 | $2.6M | −2.7% | #546 of 2,272 |
| 10Wayne County, WV | 67 | 14 | 8.9 | $2.6M | −4.0% | #547 of 2,272 |
| 27Hardy County, WV | 48 | 10 | 16.8 | $1.6M | +0.7% | #1,175 of 2,272 |
Other business types in Hardy 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 Hardy County, WV?
There are 10 insurance agencies on map listings in Hardy County as of September 2026. 3 of them (30%) are chain locations. The listings count insurance agencies. Official counts show 8 businesses with payroll classed as insurance agencies and brokerages in 2023.
How much do households in Hardy County, WV spend on vehicle insurance?
About $15.7M a year, or $2,630 per household. That is 34% above the U.S. average (an index of 134, where 100 is the U.S. average). Spread across the 10 insurance agencies on map listings, it comes to $1.6M per agency. It is estimated from the incomes of the 5,954 households in Hardy County and national spending patterns by income.
How does Hardy County, WV compare with the U.S. for insurance agencies?
Hardy County has 16.8 insurance agencies per 10,000 households, 8% above the U.S. rate of 15.6. Spending per agency is $1.6M, 25% above the U.S. figure of $1.3M. At the national ratio of insurance agencies to household spending, Hardy County would have about 13, against 10 on map listings. There is one business with payroll in the industry for every 744 households, against one for every 966 across the U.S.
How fast is Hardy County, WV growing?
Population estimates put Hardy County at 14,337 people in 2025, up 0.7% since 2020, slower than the U.S. (+3.1%). It has 5,954 households. The median household income in Hardy County is $49,272 a year, 39% below the U.S. median of $80,734. That rose 3.9% 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. Hardy County scores 48 for insurance agencies (lower middle), #1,175 of 2,272 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Hardy 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 Hardy County
Screening a site or an acquisition in Hardy 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 Hardy 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.