Home Insurance in Tenakee Springs, Alaska
The median home value in Tenakee Springs is $258,300, close to the Hoonah-Angoon Census Area median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tenakee Springs was built around 1986. About 26% of homes were built before 1960, about 9 points above Hoonah-Angoon Census Area's 17%.
The housing stock in Tenakee Springs is 94% single-family homes.
In Tenakee Springs, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 91% of occupied homes in Tenakee Springs are owner-occupied. The vacancy rate is 60%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Tenakee Springs are primarily heated with fuel oil. Homes heated with fuel oil and wood 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.
The statewide average premium for a standard HO-3 homeowners policy in Alaska is $1,216 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $258,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 9% |
| 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)