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With 25,158 homes and around 67,324 residents, Union County is 432 square miles of western Ohio. The county seat is Marysville, and Richwood, New California and Milford Center round out the largest towns. Much of its housing is recent, with a median build year of 1996.
The three factors where Union County ranks highest compared with other Ohio counties.
Weather
Union is on the colder side of Ohio for pipes. It averaged 107 freezing nights a year over 2015–2024, 34 of them at 20°F or colder, cold enough for pipes in outside walls and crawl spaces to freeze. Among 88 Ohio counties that's 21st.
On February 24, 2015 the low fell to about -8°F, and in the stretch ending March 2015 the county went 18 days in a row below freezing. Leaks from split pipes typically appear the day the thaw arrives.
Most freezing nights fall from November to March, peaking in January. Disconnect garden hoses and shut off outdoor spigots before the first hard frost, and keep the heat at 55°F or higher if you'll be away.
On average the first fall freeze arrives around Oct 27 and the last spring freeze around Apr 21.
Union gets fewer downpours than most Ohio counties, but they still fill basements. The county gets about 40.3 inches of rain and melted snow a year, with 5.1 days of an inch or more (59th of 88). Those downpours cluster in February, March and June, when sump pumps and gutters are tested hardest. The wettest day on record brought 2.59 inches on May 19, 2020. Multi-day storms matter most for basements; the wettest three days on record here totaled 3.3 inches (through September 10, 2018).
The temperature crosses 32°F in both directions on roughly 81 days a year. Each cycle melts and refreezes water at roof edges and in foundation cracks, which is how ice dams and basement seepage get started.
Freezing nights per month, 2015–2024 average
Days with 1 inch or more of rain per month, 2015–2024 average
Housing
What Union County's homes are made of
Roughly 36% of the county's housing was built before 1980. That puts Union among the newer housing stocks of Ohio's 88 counties.
Growth since 2000 added 44% of today's homes. In houses that new, the weak points are washing machine hoses, ice maker lines, water heaters and sump pumps rather than the pipes in the walls.
Homes by year built
Before 194015%
1940–19596%
1960–197914%
1980–199921%
2000 or later44%
Owner-occupied
79%
Ohio median 74%
Single-family
84%
of all homes
Median home value
$345k
Ohio median $184k
Beyond water
Mold and fire damage in Union County
Mold
Union County averages 37 warm, muggy nights a year (lows of 65°F or more) and gets the most rain in June. Keep indoor humidity under 60%, as the EPA advises, and dry any leak within 24 to 48 hours; in a humid month a wet basement left alone won't dry by itself.
Heating fuel matters for fire risk. In Union County it's 53% utility gas, 23% electric, 20% propane and 2% wood. Propane heat is more common here than the state median. Have chimneys swept and fuel-burning appliances serviced each fall, and keep three feet clear around stoves and space heaters.
Rank 1 is the highest value. Bars run from the lowest to the highest Ohio county; the tick marks the median; orange means higher water damage risk than the median, green means lower.
Questions
Union County water damage FAQ
Which towns in Union County does this cover?
Calls are routed to restoration companies that serve all of Union County, including Marysville, Richwood, New California, Milford Center, Raymond and Magnetic Springs, plus the townships and rural areas around them. If the first company can't reach you quickly, ask to be connected with another.
How often do pipes freeze in Union County?
Pipe-freeze weather, 20°F or colder, comes about 34 nights a year in Union County, from November to March. Pipes along outside walls and in crawl spaces go first.
What causes the most water damage in Union County?
Based on the county's housing and weather data, the biggest local factors are frozen pipes, muggy, mold-friendly summers and wood and propane heat. Appliance supply lines and water heaters cause leaks everywhere.
Will my insurance cover water damage in Union County?
A burst pipe or a failed water heater is usually covered. Rain-driven basement water usually isn't, unless you added water backup coverage, and floodwater needs a flood policy. February, March and June are when Union County gets the most heavy rain.
How fast does mold start in a Union County home?
The EPA advises drying wet materials within 24 to 48 hours. In June, the county's wettest month, and on the 37 muggy summer nights a year when lows stay at 65°F or above, basements dry slowly on their own, so start fans and dehumidifiers the same day.
Water won't wait. Neither should you.
Peak risk months in Union County: freezing from November to March, heavy rain in February, March and June.
Sources: U.S. Census Bureau, ACS 2024 5-year estimates (2020-2024); weather from NOAA nClimGrid-Daily county averages (EpiNOAA), 2015–2024, averaged across the county; county boundaries from Census TIGER. Reviewed 2026-10-21. Methodology