Home Insurance in Union City, Ohio
The median home value in Union City is $72,100, 58% lower than the Darke County median.
The typical home in Union City was built around 1962. About 47% of homes were built before 1960, in line with Darke County (47%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Union City, the housing stock is 75% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Union City, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 58% of occupied homes in Union City are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Union City are primarily heated with natural gas.
Darke County had 82 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Darke County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $72,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Darke County | 82 |
| Home insurance premium | $1,116 - 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)