Home Insurance in Juneau, Alaska
The median home value in Juneau is $449,300, close to the Juneau City and Borough median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Juneau was built around 1982. About 14% of homes were built before 1960, in line with Juneau City and Borough (14%).
The housing stock in Juneau 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.
About 60% of owner-occupied homes in Juneau have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Juneau has an owner-occupancy rate of 64% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Juneau are primarily heated with fuel oil.
Juneau City and Borough's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Juneau City and Borough had 1,157 active NFIP flood policies as of September 2026. See the full Juneau City and Borough home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $449,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Juneau City and Borough | 1,157 |
| 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)