Home Insurance in St. Mary, Missouri
The median home value in St. Mary is $120,000, 46% lower than the Ste. Genevieve County median.
The typical home in St. Mary was built around 1959. About 52% of homes were built before 1960, about 33 points above Ste. Genevieve County's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Mary is 67% single-family homes and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
40% of owner-occupied homes in St. Mary carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Mary has an owner-occupancy rate of 67% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In St. Mary, 49% of homes are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Ste. Genevieve County's overall risk as Relatively Low, led by earthquake (Relatively Low). Ste. Genevieve County had 57 active NFIP flood policies as of September 2026. See the full Ste. Genevieve County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Missouri carries a statewide average premium of $1,589 per year.
Key figures
| Median home value | $120,000 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Ste. Genevieve County | 57 |
| Home insurance premium | $1,589 - 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)