Home Insurance in Juneau City and Borough, Alaska
The median home value in Juneau City and Borough is $449,300, 27% higher than the Alaska median.
The typical home in Juneau City and Borough was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 6 points above Alaska's 8%.
The housing stock in Juneau City and Borough is 60% single-family homes, 20% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Juneau City and Borough, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Juneau City and Borough has an owner-occupancy rate of 64% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
48% of homes in Juneau City and Borough 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.
The top hazards for Juneau City and Borough, per FEMA's National Risk Index, are winter weather (Relatively High), earthquake (Relatively Low) and coastal flooding (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Juneau City and Borough has 1,157 active NFIP flood policies on file.
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 | $449,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Earthquake (Relatively Low), Coastal Flooding (Very Low) |
| Active NFIP flood policies (county) | 1,157 |
| 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)