Home Insurance in Union City, Georgia
Homes in Union City carry a median value of $245,600 - 46% lower than the Fulton County median.
The typical home in Union City was built around 2002. About 4% of homes were built before 1960, about 11 points below Fulton County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Union City, the housing stock is 54% single-family homes, 36% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
73% of owner-occupied homes in Union City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Union City has an owner-occupancy rate of 40% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Union City, 62% of homes are primarily heated with electricity.
FEMA rates Fulton County's overall risk as Relatively High, led by inland flooding (Relatively High). Fulton County had 3,208 active NFIP flood policies as of September 2026. See the full Fulton County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Georgia, the statewide average premium for a standard HO-3 homeowners policy is $1,828 per year (NAIC, 2023 data).
Key figures
| Median home value | $245,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Fulton County | 3,208 |
| Home insurance premium | $1,828 - 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)