Home Insurance in Union Springs, Alabama
With a median home value of $80,400, Union Springs is close to the Bullock County median.
The typical home in Union Springs was built around 1976. About 21% of homes were built before 1960, about 10 points above Bullock County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Union Springs is 46% single-family homes, 15% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Union Springs, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Union Springs are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 63% of homes in Union Springs are primarily heated with electricity.
What's the biggest home insurance risk near Union Springs? FEMA's National Risk Index points to hurricane (Relatively Low) in Bullock County and Bullock County had 6 active NFIP flood policies as of September 2026. See the full Bullock County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alabama carries a statewide average premium of $1,906 per year.
Key figures
| Median home value | $80,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Bullock County | 6 |
| Home insurance premium | $1,906 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)