Home Insurance in St. Marks, Florida
With a median home value of $256,300, St. Marks is close to the Wakulla County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in St. Marks was built around 2003. About 16% of homes were built before 1960, about 10 points above Wakulla County's 6%.
In St. Marks, the housing stock is 78% single-family homes and 22% 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 St. Marks carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Marks has an owner-occupancy rate of 93% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
95% of homes in St. Marks are primarily heated with electricity.
Wakulla County had 1,212 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Wakulla County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Florida, the statewide average premium for a standard HO-3 homeowners policy is $2,779 per year (NAIC, 2023 data).
Key figures
| Median home value | $256,300 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Wakulla County | 1,212 |
| 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)