Home Insurance in Unionville, Missouri
Homes in Unionville carry a median value of $105,400 - 12% lower than the Putnam County median.
The typical home in Unionville was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 7 points above Putnam County's 30%.
The housing stock in Unionville is 77% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Unionville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Unionville has an owner-occupancy rate of 70% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Unionville, 68% of homes are primarily heated with natural gas.
Putnam County's top FEMA-rated hazard is tornado (Relatively Low), per FEMA's National Risk Index. Putnam County had 1 active NFIP flood policy as of September 2026. See the full Putnam 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 | $105,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Putnam 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)