Home Insurance in Uniondale, Indiana
Homes in Uniondale carry a median value of $110,500 - 44% lower than the Wells County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Uniondale was built in 1939 or earlier. About 73% of homes were built before 1960, about 34 points above Wells County's 38%.
The housing stock in Uniondale is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Uniondale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Uniondale are owner-occupied.
In Uniondale, 70% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Uniondale? FEMA's National Risk Index points to tornado (Relatively Low) in Wells County and Wells County had 40 active NFIP flood policies as of September 2026. See the full Wells County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $110,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Wells County | 40 |
| Home insurance premium | $1,259 - 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)