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Home insurance costs & natural hazards in Alaska

Plain facts for Alaska homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Alaska at a glance

Four numbers most homeowners ask about first.

$1,283
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$470
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.37%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

1 of 30
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Alaska in numbers
731,719
residents (2020 Census)
2.4%
of policies had a paid claim (2022, median ZIP)
$21,150
average paid claim (2022, median ZIP)
2,372
single-family NFIP flood policies (2025)

What homeowners in Alaska pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Alaska ZIP code saw homeowners premiums of $1,283 per policy in 2022, 17% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure fell 2% between 2018 and 2022. The figures come from 31 Alaska ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
AlaskaU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 2,372 single-family NFIP policies took effect in Alaska in 2025, at an average full cost of $470, compared with $596 in 2022. About 52% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

2,372 policies
A zones 51%X/B/C zones 47%V zones 1%Other/unrated 1%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Alaska's 30 counties FEMA rates relatively high or very high for each hazard. The most widespread are avalanche, cold wave and winter weather. Open any county for its full hazard profile.

How the ratings work

Hazards across Alaska's counties

Counties FEMA rates relatively high or very high

Alaska counties

All 30 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

FEMA overall risk rating by county

Tap a county to open its page. White = not enough data.
Aleutians East Borough: Very LowAleutians West Census Area: Relatively LowAnchorage Municipality: Relatively HighBethel Census Area: Relatively LowBristol Bay Borough: Very LowDenali Borough: Very LowDillingham Census Area: Very LowFairbanks North Star Borough: Relatively ModerateHaines Borough: Very LowHoonah-Angoon Census Area: Very LowJuneau City and Borough: Very LowKenai Peninsula Borough: Relatively ModerateKetchikan Gateway Borough: Very LowKodiak Island Borough: Relatively LowKusilvak Census Area: Relatively LowLake and Peninsula Borough: Very LowMatanuska-Susitna Borough: Relatively ModerateNome Census Area: Very LowNorth Slope Borough: Very LowNorthwest Arctic Borough: Relatively LowPetersburg Borough: Very LowPrince of Wales-Hyder Census Area: Very LowSitka City and Borough: Very LowSkagway Municipality: Very LowSoutheast Fairbanks Census Area: Relatively LowWrangell City and Borough: Very LowYakutat City and Borough: Very LowYukon-Koyukuk Census Area: Relatively Low
Very lowRelatively lowRelatively moderateRelatively highVery high
CountyPremiumFloodFEMA rating
Aleutians East Borough——Very Low
Aleutians West Census Area——Relatively Low
Anchorage Municipality$1,283$379Relatively High
Bethel Census Area$1,177$422Relatively Low
Bristol Bay Borough——Very Low
Chugach Census Area—$420Very Low
Copper River Census Area——Very Low
Denali Borough——Very Low
Dillingham Census Area——Very Low
Fairbanks North Star Borough$1,356$455Relatively Moderate
Haines Borough$1,040—Very Low
Hoonah-Angoon Census Area——Very Low
Juneau City and Borough$1,007$408Very Low
Kenai Peninsula Borough$1,223$584Relatively Moderate
Ketchikan Gateway Borough$1,296$755Very Low
Kodiak Island Borough$1,248—Relatively Low
Kusilvak Census Area——Relatively Low
Lake and Peninsula Borough——Very Low
Matanuska-Susitna Borough$1,347$415Relatively Moderate
Nome Census Area—$805Very Low
North Slope Borough——Very Low
Northwest Arctic Borough—$2,122Relatively Low
Petersburg Borough—$844Very Low
Prince of Wales-Hyder Census Area——Very Low
Sitka City and Borough$1,151$975Very Low
Skagway Municipality——Very Low
Southeast Fairbanks Census Area$1,819—Relatively Low
Wrangell City and Borough——Very Low
Yakutat City and Borough——Very Low
Yukon-Koyukuk Census Area$1,193$427Relatively Low

ZIP codes with the most flood policies

99801 Juneau99709 Fairbanks99705 North Pole99507 Anchorage99669 Soldotna99645 Palmer99835 Sitka99901 Ketchikan99504 Anchorage99654 Wasilla99701 Fairbanks99611 Kenai

Practical next steps

Simple things Alaska homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Create defensible space. Clearing dry brush and debris within 30 feet of the house and using ember-resistant vents can lower wildfire exposure. Some insurers and states recognize mitigation work with discounts.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.