Homeowners Insurance in Juneau, AK
For a home at Juneau's median value of $449,300, we estimate about $1,380 a year — +13% versus the Alaska NAIC average of $1,216.
Estimated homeowners insurance cost in Juneau
Juneau's estimate reflects its home values (27% higher than the state median) and FEMA's hazard profile for Juneau City and Borough.
Natural hazard risk in Juneau
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 0.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 0.6 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 12.2 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 38.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 0.0 | Comprehensive; dwelling | |
| Winter weather | 90.1 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 19.5 | Comprehensive; dwelling | |
| Earthquake | 80.5 | Home needs a separate earthquake policy | |
| Lightning | 5.3 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Juneau
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $720 | $665 |
| $300,000 | $995 | $920 |
| $500,000 | $1,500 | $1,380 |
| $750,000 | $2,075 | $1,910 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Juneau
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 99801 | $451,000 | 64.9% | $1,380 |
| 99824 | $406,500 | 48.1% | $1,270 |
Homeowners insurance in Alaska · Car insurance in Juneau · Insurance offices near Juneau
Frequently asked questions
How much is homeowners insurance in Juneau?
For a home at Juneau's median value of $449,300, we estimate about $1,380 a year for a standard HO-3 policy with a $1,000 deductible. The Alaska NAIC average is $1,216.
What are the biggest natural hazards in Juneau?
FEMA's National Risk Index rates Juneau City and Borough relatively high or very high for winter weather.
Does the age of homes in Juneau affect insurance?
Yes. The median home in Juneau was built in 1982 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Alaska, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Juneau City and Borough relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Juneau City and Borough)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)