Home Insurance in Denali Borough, Alaska
The median home value in Denali Borough is $275,000, 22% lower than the Alaska median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Denali Borough was built around 1989. About 8% of homes were built before 1960, in line with Alaska (8%).
The housing stock in Denali Borough is 83% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Denali Borough have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Denali Borough has an owner-occupancy rate of 65% and a vacancy rate of 57%; unoccupied homes typically need a different coverage form.
Most homes in Denali Borough - 53% - 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 Denali Borough, per FEMA's National Risk Index, are wildfire (Relatively Low), earthquake (Relatively Low) and winter weather (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Denali Borough has no active NFIP flood policies on file.
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 | $275,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Earthquake (Relatively Low), Winter Weather (Relatively Low) |
| 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)