Home Insurance in Yakutat City and Borough, Alaska
The median home value in Yakutat City and Borough is $219,400, 38% lower than the Alaska median.
The typical home in Yakutat City and Borough was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, in line with Alaska (8%).
In Yakutat City and Borough, the housing stock is 78% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Yakutat City and Borough, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Yakutat City and Borough are owner-occupied. The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 83% of homes in Yakutat City and Borough are primarily heated with fuel oil.
Per FEMA's National Risk Index, Yakutat City and Borough's top hazards are earthquake (Relatively Low), winter weather (Very Low) and wildfire (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. Yakutat City and Borough has no active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alaska carries a statewide average premium of $1,216 per year.
Key figures
| Median home value | $219,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Winter Weather (Very Low), Wildfire (Very Low) |
| Home insurance premium | $1,216 - statewide average (NAIC, 2023 data) |
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)