Home Insurance in Hoonah, Alaska
The median home value in Hoonah is $329,400, 25% higher than the Hoonah-Angoon Census Area median.
The typical home in Hoonah was built around 1982. About 15% of homes were built before 1960, about 2 points below Hoonah-Angoon Census Area's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hoonah is 79% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
26% of owner-occupied homes in Hoonah carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hoonah has an owner-occupancy rate of 64% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Hoonah - 78% - 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.
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 | $329,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)