Home Insurance in St. George, Alaska
Homes in St. George carry a median value of $95,000 - 78% lower than the Aleutians West Census Area median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in St. George was built around 1979. About 23% of homes were built before 1960, about 14 points above Aleutians West Census Area's 8%.
Housing in St. George breaks down to 74% single-family homes and 19% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in St. George have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in St. George are owner-occupied. The vacancy rate is 77%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In St. George, 100% of homes 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 St. George? FEMA's National Risk Index points to earthquake (Relatively Low) in Aleutians West Census Area and Aleutians West Census Area had 1 active NFIP flood policy as of September 2026. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alaska carries a statewide average premium of $1,216 per year.
Key figures
| Median home value | $95,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)