Home Insurance in Union Grove, Alabama
The median home value in Union Grove is $187,500, 7% lower than the Marshall County median.
The typical home in Union Grove was built around 1968. About 19% of homes were built before 1960, about 5 points above Marshall County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Union Grove is 83% single-family homes and 17% mobile or manufactured homes.
About 17% of owner-occupied homes in Union Grove have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Union Grove are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Union Grove are primarily heated with natural gas.
FEMA rates Marshall County's overall risk as Relatively Moderate, led by tornado (Relatively High). Marshall County had 80 active NFIP flood policies as of September 2026. See the full Marshall 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 | $187,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Marshall County | 80 |
| 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)