Home Insurance in Unionville, Iowa
Homes in Unionville carry a median value of $95,000 - 24% lower than the Appanoose County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Unionville was built around 1948. About 61% of homes were built before 1960, about 14 points above Appanoose County's 46%.
The housing stock in Unionville is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Unionville, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Unionville are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
46% of homes in Unionville are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Appanoose County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Appanoose County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $95,000 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Appanoose County | 6 |
| Home insurance premium | $1,342 - 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)