Home Insurance in Kasaan, Alaska
Homes in Kasaan carry a median value of $340,000 - 51% higher than the Prince of Wales-Hyder Census Area median.
The typical home in Kasaan was built around 1987. About 0% of homes were built before 1960, about 10 points below Prince of Wales-Hyder Census Area's 10%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Kasaan breaks down to 82% single-family homes. The rest are 2-4 unit or other housing types.
About 42% of owner-occupied homes in Kasaan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Kasaan are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kasaan - 61% - 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.
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.
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 | $340,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)