Home Insurance in False Pass, Alaska
The typical home in False Pass was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 0% of homes were built before 1960, about 14 points below Aleutians East Borough's 14%.
In False Pass, the housing stock is 74% single-family homes. The rest are 2-4 unit or other housing types.
Almost no owner-occupied homes in False Pass carry a mortgage.
False Pass has an owner-occupancy rate of 46% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
100% of homes in False Pass are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near False Pass? FEMA's National Risk Index points to earthquake (Relatively Low) in Aleutians East Borough and Aleutians East Borough has no active NFIP flood policies on file. See the full Aleutians East Borough 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 Alaska is $1,216 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1994 |
|---|---|
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Earthquake (Relatively Low) |
| Home insurance premium | $1,216 - 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)