Home Insurance in Edna Bay, Alaska
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Edna Bay was built around 1986. About 0% of homes were built before 1960, about 10 points below Prince of Wales-Hyder Census Area's 10%.
The housing stock in Edna Bay is 100% single-family homes.
Almost no owner-occupied homes in Edna Bay carry a mortgage.
Edna Bay has an owner-occupancy rate of 100% and a vacancy rate of 51%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Edna Bay, 100% of homes are primarily heated with wood.
FEMA rates Prince of Wales-Hyder Census Area's overall risk as Very Low, led by earthquake (Very Low). Prince of Wales-Hyder Census Area has no active NFIP flood policies on file. See the full Prince of Wales-Hyder Census Area home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | 1986 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Earthquake (Very 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)