Home Insurance in Glen St. Mary, Florida
Homes in Glen St. Mary carry a median value of $301,900 - 18% higher than the Baker County median.
The typical home in Glen St. Mary was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, about 6 points above Baker County's 6%.
In Glen St. Mary, the housing stock is 42% single-family homes, 2% apartments in buildings with 5+ units and 52% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Glen St. Mary carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Glen St. Mary has an owner-occupancy rate of 70% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Glen St. Mary, 98% of homes are primarily heated with electricity.
Baker County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Baker County had 158 active NFIP flood policies as of September 2026. See the full Baker County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $301,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Baker County | 158 |
| Home insurance premium | $2,779 - 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)