Home Insurance in Union County, Pennsylvania
With a median home value of $240,100, Union County is 6% lower than the Pennsylvania median.
The typical home in Union County was built around 1974. 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 8 points below Pennsylvania's 45%.
The housing stock in Union County is 78% single-family homes, 7% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Union County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Union County are owner-occupied.
In Union County, 39% of homes are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Union County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), winter weather (Relatively Moderate) and hurricane (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Union County has 256 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $240,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Winter Weather (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 256 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)