Home Insurance in Port Alexander, Alaska
The median home value in Port Alexander is $118,800, 47% lower than the Prince of Wales-Hyder Census Area median.
The typical home in Port Alexander was built around 1982. About 7% of homes were built before 1960, about 3 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.
In Port Alexander, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
Almost no owner-occupied homes in Port Alexander carry a mortgage.
About 83% of occupied homes in Port Alexander are owner-occupied. The vacancy rate is 68%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
50% of homes in Port Alexander 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.
What's the biggest home insurance risk near Port Alexander? FEMA's National Risk Index points to earthquake (Very Low) in Prince of Wales-Hyder Census Area and 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 | $118,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 83% |
| 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)