Home Insurance in Union Grove, Wisconsin
Homes in Union Grove carry a median value of $277,400 - 10% higher than the Racine County median.
The typical home in Union Grove was built around 1982. About 21% of homes were built before 1960, about 19 points below Racine County's 39%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Union Grove, the housing stock is 59% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Union Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Union Grove are owner-occupied.
79% of homes in Union Grove are primarily heated with natural gas.
Racine County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Racine County had 334 active NFIP flood policies as of September 2026. See the full Racine County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $277,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Racine County | 334 |
| Home insurance premium | $923 - 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)