Home Insurance in Port Heiden, Alaska
Homes in Port Heiden carry a median value of $130,000 - 45% lower than the Lake and Peninsula Borough median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Port Heiden was built around 1989. About 2% of homes were built before 1960, about 5 points below Lake and Peninsula Borough's 7%.
In Port Heiden, the housing stock is 90% single-family homes.
42% of owner-occupied homes in Port Heiden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in Port Heiden are owner-occupied. The vacancy rate is 56%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
86% of homes in Port Heiden 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.
FEMA rates Lake and Peninsula Borough's overall risk as Very Low, led by earthquake (Relatively Low). Lake and Peninsula Borough has no active NFIP flood policies on file. See the full Lake and Peninsula 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 | $130,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Earthquake (Relatively Low) |
| 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)