Home Insurance in St. Paul, Alaska
The median home value in St. Paul is $95,000, 78% lower than the Aleutians West Census Area median.
The typical home in St. Paul was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, about 6 points above Aleutians West Census Area's 8%.
The housing stock in St. Paul is 63% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 12% of owner-occupied homes in St. Paul have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in St. Paul are owner-occupied.
Most homes in St. Paul - 99% - 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's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $95,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 12% |
| 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)