Home Insurance in Ouzinkie, Alaska
The typical home in Ouzinkie was built around 1978. About 10% of homes were built before 1960, in line with Kodiak Island Borough (11%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ouzinkie, the housing stock is 94% single-family homes.
In Ouzinkie, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ouzinkie has an owner-occupancy rate of 72% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
In Ouzinkie, 94% of homes 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.
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.
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 year built | 1978 |
|---|---|
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)