Home Insurance in Hoonah-Angoon Census Area, Alaska
Homes in Hoonah-Angoon Census Area carry a median value of $262,800 - 26% lower than the Alaska median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hoonah-Angoon Census Area was built around 1984. About 17% of homes were built before 1960, about 9 points above Alaska's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hoonah-Angoon Census Area is 87% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Hoonah-Angoon Census Area, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Hoonah-Angoon Census Area are owner-occupied. The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Hoonah-Angoon Census Area - 71% - are primarily heated with fuel oil.
FEMA's National Risk Index lists earthquake (Relatively Low), winter weather (Relatively Low) and coastal flooding (Very Low) as the leading hazards for Hoonah-Angoon Census Area. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Hoonah-Angoon Census Area had 1 active National Flood Insurance Program policy as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $262,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Relatively Low), Coastal Flooding (Very Low) |
| Active NFIP flood policies (county) | 1 |
| 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)