Home Insurance in St. Marys, Ohio
With a median home value of $148,500, St. Marys is 22% lower than the Auglaize County median.
The typical home in St. Marys was built around 1952. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 60% of homes were built before 1960, about 16 points above Auglaize County's 44%.
Housing in St. Marys breaks down to 83% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 56% 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 79% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In St. Marys, 77% of homes are primarily heated with natural gas.
Auglaize County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Auglaize County had 127 active NFIP flood policies as of September 2026. See the full Auglaize County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $148,500 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Auglaize County | 127 |
| Home insurance premium | $1,116 - 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)