Home Insurance in Hydaburg, Alaska
Homes in Hydaburg carry a median value of $105,900 - 53% lower than the Prince of Wales-Hyder Census Area median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hydaburg was built around 1989. About 16% of homes were built before 1960, about 7 points above Prince of Wales-Hyder Census Area's 10%.
In Hydaburg, the housing stock is 89% single-family homes, 5% 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.
3% of owner-occupied homes in Hydaburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Hydaburg are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 58% of homes in Hydaburg are primarily heated with fuel oil.
Prince of Wales-Hyder Census Area has no active NFIP flood policies on file. Its top FEMA-rated hazard is earthquake (Very Low). 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 home value | $105,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 3% |
| 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)