Home Insurance in Angoon, Alaska
The median home value in Angoon is $183,900, 30% lower than the Hoonah-Angoon Census Area median.
The typical home in Angoon was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, in line with Hoonah-Angoon Census Area (17%).
The housing stock in Angoon is 82% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
11% of owner-occupied homes in Angoon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Angoon are owner-occupied.
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 Angoon - 54% - are primarily heated with fuel oil.
FEMA rates Hoonah-Angoon Census Area's overall risk as Very Low, led by earthquake (Relatively Low). Hoonah-Angoon Census Area had 1 active NFIP flood policy as of September 2026. See the full Hoonah-Angoon 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 | $183,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Hoonah-Angoon 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)