Home Insurance in St. Marys, Pennsylvania
The median home value in St. Marys is $149,000, 12% higher than the Elk County median.
The typical home in St. Marys was built around 1961. About 48% of homes were built before 1960, in line with Elk County (48%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in St. Marys is 83% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In St. Marys, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in St. Marys are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
78% of homes in St. Marys are primarily heated with natural gas.
FEMA rates Elk County's overall risk as Relatively Low, led by inland flooding (Relatively Low). Elk County had 118 active NFIP flood policies as of September 2026. See the full Elk County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $149,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Elk County | 118 |
| Home insurance premium | $1,217 - 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)