Home Insurance in Klawock, Alaska
Homes in Klawock carry a median value of $263,100 - 17% higher than the Prince of Wales-Hyder Census Area median.
The typical home in Klawock was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 4 points below Prince of Wales-Hyder Census Area's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Klawock is 61% single-family homes, 5% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
In Klawock, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Klawock are owner-occupied.
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. 50% of homes in Klawock 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.
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 | $263,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)