Home Insurance in Kake, Alaska
The median home value in Kake is $124,600, 45% lower than the Prince of Wales-Hyder Census Area median.
The typical home in Kake was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, in line with Prince of Wales-Hyder Census Area (10%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kake is 78% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
21% of owner-occupied homes in Kake carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 65% of occupied homes in Kake are owner-occupied. The vacancy rate is 26%; 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. In Kake, 56% of homes are primarily heated with fuel oil.
Prince of Wales-Hyder Census Area's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. 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.
The statewide average premium for a standard HO-3 homeowners policy in Alaska is $1,216 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $124,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)