Home Insurance in Aleutians East Borough, Alaska
Homes in Aleutians East Borough carry a median value of $135,500 - 62% lower than the Alaska median.
The typical home in Aleutians East Borough was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 6 points above Alaska's 8%.
In Aleutians East Borough, the housing stock is 73% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Aleutians East Borough have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Aleutians East Borough are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 94% of homes in Aleutians East Borough are primarily heated with fuel oil.
Per FEMA's National Risk Index, Aleutians East Borough's top hazards are earthquake (Relatively Low), winter weather (Very Low) and tornado (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Aleutians East Borough has no active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Alaska is $1,216 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $135,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Very Low), Tornado (Very Low) |
| Home insurance premium | $1,216 - statewide average (NAIC, 2023 data) |
Towns and cities
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)