Home Insurance in Eagle, Alaska
Homes in Eagle carry a median value of $39,400 - 86% lower than the Southeast Fairbanks Census Area median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Eagle was built around 1980. About 13% of homes were built before 1960, about 8 points above Southeast Fairbanks Census Area's 5%.
The housing stock in Eagle is 95% single-family homes.
Almost no owner-occupied homes in Eagle carry a mortgage.
The vacancy rate is 53%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Eagle are owner-occupied.
Most homes in Eagle - 53% - 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 Eagle? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Southeast Fairbanks Census Area and Southeast Fairbanks Census Area has no active NFIP flood policies on file. See the full Southeast Fairbanks Census Area home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $39,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Wildfire (Relatively Moderate) |
| 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)