Home Insurance in St. Marys, Iowa
The median home value in St. Marys is $195,000, 28% lower than the Warren County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in St. Marys was built around 1973. About 45% of homes were built before 1960, about 26 points above Warren County's 19%.
Housing in St. Marys breaks down to 89% single-family homes and 7% apartments in buildings with 5+ units.
About 67% of owner-occupied homes in St. Marys have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in St. Marys are owner-occupied.
Most homes in St. Marys - 95% - are primarily heated with natural gas.
FEMA rates Warren County's overall risk as Very Low, led by tornado (Relatively Moderate). Warren County had 32 active NFIP flood policies as of September 2026. See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $195,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Warren County | 32 |
| Home insurance premium | $1,342 - 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)