Home Insurance in Chugach Census Area, Alaska
Homes in Chugach Census Area carry a median value of $346,200 - close to the Alaska median.
The typical home in Chugach Census Area was built around 1979. About 15% of homes were built before 1960, about 7 points above Alaska's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Chugach Census Area is 58% single-family homes, 13% apartments in buildings with 5+ units and 18% 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 Chugach Census Area, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chugach Census Area has an owner-occupancy rate of 64% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in Chugach Census Area - 71% - are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Chugach Census Area, per FEMA's National Risk Index, are earthquake (Relatively Low), winter weather (Relatively Low) and coastal flooding (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Chugach Census Area has 30 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $346,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively Low), Coastal Flooding (Very Low) |
| Active NFIP flood policies (county) | 30 |
| 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)