Home Insurance in Union County, Illinois
With a median home value of $131,700, Union County is 50% lower than the Illinois median.
The typical home in Union County was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 3 points below Illinois's 38%.
In Union County, the housing stock is 76% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% 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 77% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Union County are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), strong wind (Relatively High) and winter weather (Relatively Moderate) as the leading hazards for Union County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Union County had 63 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $131,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively High), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 63 |
| Home insurance premium | $1,480 - 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)