Home Insurance in Unionville, Michigan
With a median home value of $97,300, Unionville is 35% lower than the Tuscola County median.
The typical home in Unionville was built around 1950. About 72% of homes were built before 1960, about 34 points above Tuscola County's 39%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Unionville breaks down to 98% single-family homes and 2% apartments in buildings with 5+ units.
About 58% of owner-occupied homes in Unionville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 88% of occupied homes in Unionville are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Unionville - 92% - are primarily heated with natural gas.
FEMA rates Tuscola County's overall risk as Relatively Low, led by strong wind (Relatively High). Tuscola County had 103 active NFIP flood policies as of September 2026. See the full Tuscola County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Michigan, the statewide average premium for a standard HO-3 homeowners policy is $1,110 per year (NAIC, 2023 data).
Key figures
| Median home value | $97,300 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Tuscola County | 103 |
| Home insurance premium | $1,110 - 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)