Home Insurance in Unionville, North Carolina
The median home value in Unionville is $336,200, 19% lower than the Union County median.
The typical home in Unionville was built around 1993. About 9% of homes were built before 1960, about 2 points above Union County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Unionville, the housing stock is 89% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Unionville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Unionville are owner-occupied.
In Unionville, 64% of homes are primarily heated with electricity.
Union County had 382 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Union County home insurance overview for all FEMA hazard ratings and flood coverage details.
In North Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,852 per year (NAIC, 2023 data).
Key figures
| Median home value | $336,200 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Union County | 382 |
| Home insurance premium | $1,852 - 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)