Home Insurance in Union Star, Missouri
Homes in Union Star carry a median value of $105,700 - 38% lower than the DeKalb County median.
The typical home in Union Star was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 21 points above DeKalb County's 25%.
The housing stock in Union Star is 88% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 45% of owner-occupied homes in Union Star have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Union Star are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Union Star, 48% of homes are primarily heated with propane.
FEMA rates DeKalb County's overall risk as Very Low, led by tornado (Relatively Low). DeKalb County had 1 active NFIP flood policy as of September 2026. See the full DeKalb 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 Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $105,700 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in DeKalb County | 1 |
| Home insurance premium | $1,589 - 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)