Home Insurance in Unalaska, Alaska
With a median home value of $462,400, Unalaska is 6% higher than the Aleutians West Census Area median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Unalaska was built around 1992. About 8% of homes were built before 1960, in line with Aleutians West Census Area (8%).
In Unalaska, the housing stock is 36% single-family homes, 34% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Unalaska, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Unalaska has an owner-occupancy rate of 30% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Unalaska - 80% - 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.
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 | $462,400 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 30% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)