Home Insurance in Houston, Alaska
With a median home value of $295,000, Houston is 15% lower than the Matanuska-Susitna Borough median.
The typical home in Houston was built around 1994. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, in line with Matanuska-Susitna Borough (3%).
The housing stock in Houston is 83% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Houston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Houston has an owner-occupancy rate of 71% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
In Houston, 57% 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.
Matanuska-Susitna Borough's top FEMA-rated hazard is earthquake (Relatively High), per FEMA's National Risk Index. Matanuska-Susitna Borough had 215 active NFIP flood policies as of September 2026. See the full Matanuska-Susitna 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 | $295,000 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively High) |
| Active NFIP policies in Matanuska-Susitna Borough | 215 |
| 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)