Home Insurance in Akhiok, Alaska
Homes in Akhiok carry a median value of $54,400 - 87% lower than the Kodiak Island Borough median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Akhiok was built around 1976. About 0% of homes were built before 1960, about 11 points below Kodiak Island Borough's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Akhiok is 86% single-family homes and 14% mobile or manufactured homes.
Almost no owner-occupied homes in Akhiok carry a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Akhiok are owner-occupied.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Akhiok, 75% of homes are primarily heated with fuel oil.
Kodiak Island Borough has no active NFIP flood policies on file. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Kodiak Island Borough home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Alaska, the statewide average premium for a standard HO-3 homeowners policy is $1,216 per year (NAIC, 2023 data).
Key figures
| Median home value | $54,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Earthquake (Relatively Moderate) |
| 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)