Home Insurance in Union, West Virginia
With a median home value of $154,200, Union is close to the Monroe County median.
The typical home in Union was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 12 points above Monroe County's 26%.
The housing stock in Union is 80% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Union, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Union are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Union, 51% of homes are primarily heated with electricity.
Monroe County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. Monroe County had 26 active NFIP flood policies as of September 2026. See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in West Virginia carries a statewide average premium of $1,179 per year.
Key figures
| Median home value | $154,200 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Monroe County | 26 |
| Home insurance premium | $1,179 - 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)