Home Insurance in Kupreanof, Alaska
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kupreanof was built around 1975. About 41% of homes were built before 1960, about 15 points above Petersburg Borough's 26%.
The housing stock in Kupreanof is 100% single-family homes.
Almost no owner-occupied homes in Kupreanof carry a mortgage.
The vacancy rate is 77%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Kupreanof are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 100% of homes in Kupreanof are primarily heated with fuel oil.
Petersburg Borough's top FEMA-rated hazard is winter weather (Relatively Low), per FEMA's National Risk Index. Petersburg Borough had 28 active NFIP flood policies as of September 2026. See the full Petersburg Borough home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alaska carries a statewide average premium of $1,216 per year.
Key figures
| Median year built | 1975 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Winter Weather (Relatively Low) |
| Active NFIP policies in Petersburg Borough | 28 |
| 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)