Home Insurance in Adak, Alaska
The median home value in Adak is $139,100, 68% lower than the Aleutians West Census Area median.
The typical home in Adak was built around 1984. About 4% of homes were built before 1960, about 4 points below Aleutians West Census Area's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Adak is 13% single-family homes. The rest are 2-4 unit or other housing types.
Almost no owner-occupied homes in Adak carry a mortgage.
About 90% of occupied homes in Adak are owner-occupied. The vacancy rate is 86%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
97% of homes in Adak 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.
Aleutians West Census Area had 1 active NFIP flood policy as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Aleutians West Census Area 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 home value | $139,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Aleutians West Census Area | 1 |
| 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)