Home Insurance in Union, Alabama
Homes in Union carry a median value of $88,700 - 9% higher than the Greene County median.
The typical home in Union was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 13 points below Greene County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Union is 57% single-family homes and 43% mobile or manufactured homes.
32% of owner-occupied homes in Union carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Union has an owner-occupancy rate of 100% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
54% of homes in Union are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Greene County's overall risk as Very Low, led by hurricane (Relatively Low). Greene County had 71 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Alabama is $1,906 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $88,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Greene County | 71 |
| 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)