Home Insurance in Pelican, Alaska
Homes in Pelican carry a median value of $187,500 - 29% lower than the Hoonah-Angoon Census Area median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pelican was built around 1979. About 28% of homes were built before 1960, about 11 points above Hoonah-Angoon Census Area's 17%.
Housing in Pelican breaks down to 82% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
27% of owner-occupied homes in Pelican carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pelican has an owner-occupancy rate of 79% and a vacancy rate of 63%; unoccupied homes typically need a different coverage form.
Most homes in Pelican - 79% - are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hoonah-Angoon Census Area's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 | $187,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)