Home Insurance in Union, Kentucky
With a median home value of $411,500, Union is 48% higher than the Boone County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Union was built around 2007. About 0% of homes were built before 1960, about 9 points below Boone County's 9%.
In Union, the housing stock is 81% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Union, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Union has an owner-occupancy rate of 82% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
57% of homes in Union are primarily heated with natural gas.
Boone County had 64 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Boone County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Kentucky is $1,525 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $411,500 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Boone County | 64 |
| Home insurance premium | $1,525 - 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)