Home insurance in Union County, Florida
Union County (Lake Butler is the county seat) had about 15,738 residents in 2024 per Census estimates. It is an inland county in the North Florida. Irma (2017) affected nearly the whole state, including this rural county.. Roof age, wind mitigation drive most quotes here.
County seat Lake ButlerPopulation (2024 est.) 15,738Setting InlandRegion North Florida
How have hurricanes affected Union County homes?
Irma (2017) affected nearly the whole state, including this rural county.
Underwriters remember these events. Inland location changes which part of that history matters most for your home.
What building code rules affect Union County roofs and windows?
Being inland, most of the county is generally outside the Florida Building Code's coastal wind-borne debris region, but design wind speeds still apply and opening protection still earns wind mitigation credit.
The statewide Florida Building Code took effect March 1, 2002. Homes permitted after that date, or with later roof and window permits, usually document better on a wind mitigation inspection. Older homes may also need a 4-point inspection.
None of Florida's 100 most populous cities are in Union County, but we quote homes countywide, including Lake Butler.
How do FEMA flood zones work in Union County?
Key water: Santa Fe River, New River.
Flood exposure is mostly riverine and lake-related, with FEMA A zones along the Santa Fe River and low-lying areas, and moderate-to-low-risk X zones elsewhere. A homeowners policy does not cover rising water. Check your address on the FEMA Flood Map Service Center.
Shopping for home insurance in Union County? Your request goes only to Nymble Insurance, a licensed Florida agency. We quote every applicant and compare options on matching coverage.
Start a private quote Call (813) 291-3484What is the insurance market like in Union County?
Florida's smallest county by land area; mostly rural homes.
Many Union County homeowners are with Citizens or have received a takeout offer. Agencies quoting the same carrier use the same filed rates, so compare coverage line by line before price.
How many people live in Union County?
The Census Bureau's Vintage 2024 estimate puts Union County at 15,738 residents. That is down about 2.5% from the April 2020 base of 16,141, making it Florida's 61st most populous county.
Frequently asked questions
Is FMAP.insure the official FMAP for Union County?
No. FMAP.insure is a private website run by Nymble Insurance LLC. The official, free FMAP referral service is at fmap.org. Requests here go only to Nymble Insurance.
Can Nymble Insurance quote my Union County home?
Yes. Nymble Insurance is a licensed Florida agency (L131669) and quotes homeowners across Union County and the rest of Florida. Every applicant gets a quote request reviewed.
Does my homeowners policy cover storm surge in Union County?
No. Storm surge is flood, which homeowners policies exclude. You need a separate flood policy through the NFIP or a private flood insurer.