Home Insurance in Union, South Carolina
The median home value in Union is $109,400, 6% higher than the Union County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Union was built around 1965. About 39% of homes were built before 1960, about 8 points above Union County's 30%.
In Union, the housing stock is 65% single-family homes, 15% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Union, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Union has an owner-occupancy rate of 50% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Union, 53% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Union? FEMA's National Risk Index points to tornado (Relatively Moderate) in Union County and Union County had 1 active NFIP flood policy as of September 2026. See the full Union County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $109,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Union County | 1 |
| Home insurance premium | $1,753 - 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)