Home Insurance in St. Marys, Georgia
Homes in St. Marys carry a median value of $312,300 - 19% higher than the Camden County median.
The typical home in St. Marys was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 6% of homes were built before 1960, in line with Camden County (7%).
The housing stock in St. Marys is 72% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 66% of owner-occupied homes in St. Marys have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Marys has an owner-occupancy rate of 61% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in St. Marys - 94% - are primarily heated with electricity.
Camden County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Camden County had 2,922 active NFIP flood policies as of September 2026. See the full Camden 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 Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $312,300 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Camden County | 2,922 |
| Home insurance premium | $1,828 - 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)