We study the equation of state at finite temperature and density in two-flavor QCD with the renormalization group improved gluon action and the clover-improved Wilson quark action on a ${16}^{3}\ifmmode\times\else\texttimes\fi{}4$ lattice. Along the lines of constant physics at ${m}_{\mathrm{PS}}/{m}_{\mathrm{V}}=0.65$ and 0.80, we compute the second and forth derivatives of the grand canonical partition function with respect to the quark chemical potential ${\ensuremath{\mu}}_{q}=({\ensuremath{\mu}}_{u}+{\ensuremath{\mu}}_{d})/2$ and the isospin chemical potential ${\ensuremath{\mu}}_{I}=({\ensuremath{\mu}}_{u}\ensuremath{-}{\ensuremath{\mu}}_{d})/2$ at vanishing chemical potentials, and study the behaviors of thermodynamic quantities at finite ${\ensuremath{\mu}}_{q}$ using these derivatives for the case ${\ensuremath{\mu}}_{I}=0$. In particular, we study density fluctuations at nonezero temperature and density by calculating the quark number and isospin susceptibilities and their derivatives with respect to ${\ensuremath{\mu}}_{q}$. To suppress statistical fluctuations, we also examine new techniques applicable at low densities. We find a large enhancement in the fluctuation of the quark number when the density increased near the pseudocritical temperature, suggesting a critical point at finite ${\ensuremath{\mu}}_{q}$ terminating the first order transition line between hadronic and quark-gluon-plasma phases. This result agrees with the previous results using staggered-type quark actions qualitatively. Furthermore, we study heavy-quark free energies and Debye screening masses at finite density by measuring the first and second derivatives of these quantities for various color channels of heavy quark-quark and quark-antiquark pairs. The results suggest that, to the leading order of ${\ensuremath{\mu}}_{q}$, the interaction between two quarks becomes stronger at finite densities, while that between quark and antiquark becomes weaker.