Home Insurance in Anderson, Alaska
With a median home value of $192,000, Anderson is 30% lower than the Denali Borough median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Anderson was built around 1980. About 2% of homes were built before 1960, about 6 points below Denali Borough's 8%.
The housing stock in Anderson is 81% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
31% of owner-occupied homes in Anderson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Anderson has an owner-occupancy rate of 91% and a vacancy rate of 58%; unoccupied homes typically need a different coverage form.
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. Most homes in Anderson - 79% - are primarily heated with fuel oil.
What's the biggest home insurance risk near Anderson? FEMA's National Risk Index points to wildfire (Relatively Low) in Denali Borough and Denali Borough has no active NFIP flood policies on file. See the full Denali Borough home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $192,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)