Home Insurance in Union, Iowa
Homes in Union carry a median value of $74,600 - 39% lower than the Hardin County median.
The typical home in Union was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 52% of homes were built before 1960, about 4 points below Hardin County's 56%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Union is 89% single-family homes and 5% mobile or manufactured homes.
In Union, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
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 Union are owner-occupied.
Most homes in Union - 89% - are primarily heated with natural gas.
What's the biggest home insurance risk near Union? FEMA's National Risk Index points to hail (Relatively High) in Hardin County and Hardin County had 29 active NFIP flood policies as of September 2026. See the full Hardin 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 Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $74,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Hardin County | 29 |
| 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)