Home Insurance in Whale Pass, Alaska
The median home value in Whale Pass is $239,300, 6% higher than the Prince of Wales-Hyder Census Area median.
The typical home in Whale Pass was built around 2000. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 7 points below Prince of Wales-Hyder Census Area's 10%.
In Whale Pass, the housing stock is 86% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
13% of owner-occupied homes in Whale Pass carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 67%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Whale Pass are owner-occupied.
74% of homes in Whale Pass are primarily heated with wood. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Prince of Wales-Hyder Census Area's overall risk as Very Low, led by earthquake (Very Low). 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 | $239,300 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)