Home Insurance in St. Marys, West Virginia
The median home value in St. Marys is $147,300, close to the Pleasants County median.
The typical home in St. Marys was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 23 points above Pleasants County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Marys is 67% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% 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 82% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In St. Marys, 75% of homes are primarily heated with natural gas.
Pleasants County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Pleasants County had 26 active NFIP flood policies as of September 2026. See the full Pleasants County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in West Virginia carries a statewide average premium of $1,179 per year.
Key figures
| Median home value | $147,300 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Pleasants County | 26 |
| Home insurance premium | $1,179 - 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)