With a population of 15,237 residents, Union County is on the low end of Florida’s county in terms of population density. Union County is located in North Central Florida, and it is also the smallest county in Florida in terms of landmass.
Living in Union
In Union County, the median home value for owner-occupied homes is $104,400, and the median household income of $41,770, which means the county has relatively low property values and cost-of-living compared to counties with similar income levels.
Union County’s major draw to residents and tourists are its natural attractions, which include Lakeside Park, found in the county’s largest city, Lake Butler, which has a population of about 1,800 residents. The Palatka-Lake Butler State Trail, which extends 47 miles across multiple Florida counties ends in this park.
Home Insurance Premiums in Union County
Considering how low the property values in Union County are, you might expect the home insurance premiums to be similarly affordable. However, with the county’s bodies of water, such as the New River, the Santa Fe River, and Worthing Springs, homes located in the associated floodplains are vulnerable to flooding, which can increase home insurance costs.
Additionally, homeowners whose properties were built without wind mitigation features are more likely to be quoted higher premiums, as you can see in the table below.
Average Homeowners Premiums in Union County
| Construction Type | Home Value | Average Premium |
|---|---|---|
| Pre-2001 (No Wind Mitigation) | $150,000 | $1,577.48 |
| Pre-2001 (With Wind Mitigation) | $150,000 | $1,192.48 |
| New Construction | $300,000 | $1,919.15 |
| Overall Average | $1,563.04 |
Averaging out the numbers from Florida’s Office of Insurance Regulation above, we calculated the mean home insurance premium for the county to be $1,563. For each of the home values and construction types, you can still recoup hundreds of dollars in savings on your annual premium by shopping around for different quotes. Each insurance company factors in your property location, credit score, insurance history, and other data points according to its own formula.
It’s never a good idea to get one quote and call it quits on your home insurance search. By shopping around, you might be able to find a company that will offer you premium at significantly lower rates than their competitors will. In Union County, that can mean finding a premium as much as $900 lower than the county average, as you can see from the companies with the lowest average premiums.
For $150,000 homes built before 2001 without wind mitigation, the average premium is $1,577.
Consider this list for cheaper-than-average quotes:
- Citizens – $989
- Universal – $1,032
- Florida Peninsula – $1,041
- Tower Hill Prime – $1,082
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction Without Wind Mitigation Rate in Union County
| Company Name | Annual Premium |
|---|---|
| Citizens | $989 |
| Universal | $1,032 |
| Florida Peninsula | $1,041 |
| Tower Hill Prime | $1,082 |
| Florida Farm | $1,090 |
| Stillwater | $1,105 |
| Southern Fidelity | $1,241 |
| People's Trust | $1,301 |
| First Protective | $1,304 |
| Security First | $1,448 |
| Florida Family | $1,484 |
| American Integrity | $1,583 |
| First Community | $1,602 |
| Tower Hill Preferred | $1,611 |
| Liberty Mutual | $1,616 |
| American Traditions | $1,617 |
| Southern Oak | $1,625 |
| ASI | $1,637 |
| Tower Hill Select | $1,672 |
| Tower Hill Signature | $1,726 |
| Family Security | $1,874 |
| Castle Key | $1,949 |
| State Farm Florida | $2,144 |
| FedNat | $2,148 |
| St. Johns | $2,212 |
| Auto Club Florida | $2,228 |
| Universal | $2,231 |
| Average | $1,577.48 |
For $150,000 homes built before 2001 with wind mitigation, the average premium is $1,192.
Consider this list for cheaper-than-average quotes:
- Universal – $608
- Florida Farm – $656
- Citizens – $724
- Tower Hill Prime – $746
List of Companies & Rates for Home Valued at $150,000, Pre-2001 Construction With Wind Mitigation Rate in Union County
| Company Name | Annual Premium |
|---|---|
| Universal | $608 |
| Florida Farm | $656 |
| Citizens | $724 |
| Tower Hill Prime | $746 |
| First Protective | $782 |
| Florida Peninsula | $818 |
| Stillwater | $863 |
| Southern Fidelity | $979 |
| People's Trust | $1,010 |
| Florida Family | $1,082 |
| Tower Hill Preferred | $1,112 |
| Southern Oak | $1,163 |
| Tower Hill Select | $1,178 |
| FedNat | $1,190 |
| American Traditions | $1,250 |
| First Community | $1,293 |
| Security First | $1,301 |
| American Integrity | $1,318 |
| Universal | $1,359 |
| ASI | $1,382 |
| Liberty Mutual | $1,392 |
| St. Johns | $1,479 |
| Tower Hill Signature | $1,489 |
| Family Security | $1,591 |
| Castle Key | $1,723 |
| State Farm Florida | $1,758 |
| Auto Club Florida | $1,951 |
| Average | $1,192.48 |
For $300,000 Homes with new construction, the average premium is $1,919.
Consider this list for cheaper-than-average quotes:
- Stillwater – $1,098
- Universal – $1,123
- Florida Farm – $1,130
- Florida Peninsula – $1,308
List of Companies & Rates for Home Valued at $300,000, New Construction in Union County
| Company Name | Annual Premium |
|---|---|
| Stillwater | $1,098 |
| Universal | $1,123 |
| Florida Farm | $1,130 |
| Florida Peninsula | $1,308 |
| First Protective | $1,416 |
| Tower Hill Prime | $1,420 |
| People's Trust | $1,426 |
| Citizens | $1,437 |
| Southern Oak | $1,591 |
| American Traditions | $1,683 |
| Security First | $1,800 |
| American Integrity | $1,823 |
| Tower Hill Select | $1,876 |
| Florida Family | $1,894 |
| Southern Fidelity | $1,904 |
| Tower Hill Preferred | $1,978 |
| First Community | $1,991 |
| Universal | $2,203 |
| St. Johns | $2,304 |
| FedNat | $2,306 |
| Family Security | $2,330 |
| ASI | $2,372 |
| Castle Key | $2,481 |
| Auto Club Florida | $2,540 |
| Tower Hill Signature | $2,649 |
| Liberty Mutual | $2,758 |
| State Farm Florida | $2,976 |
| Average | $1,919.15 |
Flood Insurance in Union
Another part of responsible homeownership in Florida is having adequate flooding coverage. Your home insurance policy in FL will cover windstorms but flooding, which is common during hurricane season in Florida, is an excluded peril across the home insurance industry, and don’t be convinced that because your home is nowhere near the beach that your property is safe.
The tropical storms and many flood plains from rivers that are so common in Florida mean that even landlocked counties like Union County are at risk. Make sure to look into how you can get an affordable plan through the federal National Flood Insurance Program, which offers policies through companies like First Protective and coverage of up to $250,000.
