Homeowners Insurance in Ketchikan, AK

For a home at Ketchikan's median value of $352,400, we estimate about $1,040 a year — −14% versus the Alaska NAIC average of $1,216.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Ketchikan

Est. premium

$1,040

$87/mo · median home

Median home value

$352,400

Alaska: $352,900

Median year built

1971

Census ACS

Owner-occupied

61.4%

of households

Hazard score

14.5

state ref. 38.4

Ketchikan's estimate reflects its home values (about the same as the state median) and FEMA's hazard profile for Ketchikan Gateway Borough.

Natural hazard risk in Ketchikan

FEMA National Risk Index — Ketchikan Gateway Borough
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Not rated	0.0	Comprehensive (car); roof claims (home)
Tornado	Very Low	0.2	Comprehensive; dwelling
Hurricane	Not rated	—	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very Low	4.6	Comprehensive; home needs a separate flood policy
Coastal flooding	Very Low	26.0	Comprehensive; home needs a separate flood policy
Strong wind	Not rated	0.0	Comprehensive; dwelling
Winter weather	Relatively Low	53.1	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	10.9	Comprehensive; dwelling
Earthquake	Very Low	31.2	Home needs a separate earthquake policy
Lightning	Very Low	4.4	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 Ketchikan

Dwelling value	Wood frame	Brick / masonry
$200,000	$660	$610
$300,000	$915	$840
$500,000	$1,375	$1,265
$750,000	$1,905	$1,750

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in Alaska · Car insurance in Ketchikan · Insurance offices near Ketchikan

Frequently asked questions

How much is homeowners insurance in Ketchikan?

For a home at Ketchikan's median value of $352,400, we estimate about $1,040 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 Ketchikan?

FEMA's National Risk Index does not rate Ketchikan Gateway Borough as relatively high for any single hazard.

Does the age of homes in Ketchikan affect insurance?

Yes. The median home in Ketchikan was built in 1971 (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 Ketchikan Gateway Borough relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page