Home Insurance in Aleutians West Census Area, Alaska
Homes in Aleutians West Census Area carry a median value of $434,700 - 23% higher than the Alaska median.
The typical home in Aleutians West Census Area was built around 1990. About 8% of homes were built before 1960, in line with Alaska (8%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Aleutians West Census Area is 36% single-family homes, 26% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Aleutians West Census Area, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 33% of occupied homes in Aleutians West Census Area 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. 82% of homes in Aleutians West Census Area are primarily heated with fuel oil.
The top hazards for Aleutians West Census Area, per FEMA's National Risk Index, are earthquake (Relatively Low), winter weather (Very Low) and tornado (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Aleutians West Census Area had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Alaska, the statewide average premium for a standard HO-3 homeowners policy is $1,216 per year (NAIC, 2023 data).
Key figures
| Median home value | $434,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Very Low), Tornado (Very Low) |
| Active NFIP flood policies (county) | 1 |
| 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)