Home Insurance in Union Grove, Texas
With a median home value of $224,500, Union Grove is 34% higher than the Upshur County median.
The typical home in Union Grove was built around 2003. About 2% of homes were built before 1960, about 12 points below Upshur County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Union Grove is 96% single-family homes and 4% mobile or manufactured homes.
In Union Grove, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Union Grove has an owner-occupancy rate of 97% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
91% of homes in Union Grove are primarily heated with electricity.
FEMA rates Upshur County's overall risk as Relatively Low, led by tornado (Relatively High). Upshur County had 42 active NFIP flood policies as of September 2026. See the full Upshur 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 Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $224,500 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Upshur County | 42 |
| Home insurance premium | $2,864 - 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)