Home Insurance in St. Mary's, Alaska
The median home value in St. Mary's is $122,900, 46% higher than the Kusilvak Census Area median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Mary's was built around 1993. About 2% of homes were built before 1960, in line with Kusilvak Census Area (2%).
The housing stock in St. Mary's is 84% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 31% of owner-occupied homes in St. Mary's have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in St. Mary's are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Mary's - 80% - are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near St. Mary's? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Kusilvak Census Area and Kusilvak Census Area had 5 active NFIP flood policies as of September 2026. See the full Kusilvak Census Area home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Alaska is $1,216 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $122,900 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Kusilvak Census Area | 5 |
| Home insurance premium | $1,216 - 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)