Home Insurance in Union County, Florida
The median home value in Union County is $169,500, 53% lower than the Florida median.
The typical home in Union County was built around 1994. About 11% of homes were built before 1960, about 1 point above Florida's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Union County, the housing stock is 47% single-family homes, 1% apartments in buildings with 5+ units and 49% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Union County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Union County has an owner-occupancy rate of 75% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
98% of homes in Union County are primarily heated with electricity.
Per FEMA's National Risk Index, Union County's top hazards are hurricane (Relatively Low), wildfire (Relatively Low) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Union County has 67 active NFIP flood policies on file.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $169,500 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 67 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)