Flood insurance in Alaska: cost by ZIP code and county
Alaska has 2,414 single-family flood policies, with a median bill of $380 a year on July 31, 2026.
Median single-family flood bill, Alaska
$380
2,414 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $381 |
| Policies still below their full-risk price | 11 % |
| Median paid in August 2023 | $412 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $1,905 |
| Median claim paid, 2016 to 2025 (96 claims) | $27,433 |
Compiled by Radif Partners · Where the numbers come from · 41 ZIP codes and 14 counties of Alaska in FEMA's tables · not a quote
Federal flood insurance costs less in Alaska than in any other state. The median single-family policy had a yearly cost of $380 on July 31, 2026, a figure that includes the premium, the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee, against $1,081 for the whole country. The market is tiny, 2,414 policies, and the price is settled: the full-risk median is $381, and only 11 % of policies pay less than full risk. A and X zones cost nearly the same, $413 and $373 at the median. Claims are rare but not small. Only 96 single-family claims were paid between 2016 and 2025, with a median of $27,433, roughly 72 years of the median bill. FEMA rated 24 % of Alaska policies as exposed to tsunami.
Boroughs, not counties
Alaska has no counties (Census Bureau glossary); FEMA's data group its policies by borough, municipality and census area. Fairbanks North Star Borough, where the USGS gauges the Chena and Tanana rivers at Fairbanks, had 535 single-family policies at a median of $431. Juneau carried 813 at $373. Anchorage is a smaller flood market with 266 policies, at $343. The Kenai Peninsula Borough had the highest median of the large areas, $564, and the Matanuska-Susitna Borough paid $376. In the Bethel Census Area, 79 policies paid a median of $359.
Across these places the median full-risk bill sits within a few dollars of the median paid. Very few owners are on a path of yearly increases, which is unusual: nationally 47 % of policies are still capped.
Sitka and the coastal exception
The one area with a real gap is Sitka. Its 44 policies paid a median of $973, against $1,531 at full risk, and 50 % were capped. It also showed the widest ratio of full-risk to current cost in FEMA's 2023 table. V zones, the coastal high hazard areas, hold just 23 Alaska policies, at a median of $1,116.
What a claim represents
Alaska's claim file is too small for any single flood to stand out as a named event. Claims on homes rated X, B or C numbered 48, about as many as the 46 on A-zone homes, and their median was higher: $33,429 against $22,382. Small numbers like these move a lot from one year to the next, so a single flood can change the picture. In Juneau, the 52 paid claims had a median of $46,125.
An Alaska median claim in years of premium
Median single-family claim paid in Alaska, 2016 to 2025
$27,433
| Years of the bill entered that one median claim equals | 72 |
| Median claim, whole country | $42,494 |
| Average claim, whole country | $70,978 |
A cheap policy still has the same limits as anywhere else: up to $250,000 for the building and $100,000 for contents on a single-family home in the Regular Program. FEMA's manual sets higher Emergency Program limits for Alaska, Hawaii, Guam and the U.S. Virgin Islands than for other states, for communities not yet in the Regular Program. The coverage limits guide explains what each part pays.
The Alaska median bill per month
The same bill per month
$32
| Per $1,000 of building coverage | $1.52 |
| National median, per month | $90 |
| National median, per year | $1,081 |
The Alaska counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Fairbanks North Star Borough | 535 | $431 | $434 | 7 % | 1 | $499 | $13,423 |
| Anchorage, Municipality of | 266 | $343 | $343 | 4 % | none | $341 | n/a |
| Kenai Peninsula Borough | 275 | $564 | $565 | 11 % | 1 | $555 | n/a |
| Juneau, City and Borough of | 813 | $373 | $374 | 12 % | 1 | $371 | $46,125 |
| Matanuska-Susitna Borough | 192 | $376 | $378 | 9 % | 1 | $372 | n/a |
| Bethel Census Area | 79 | $359 | $359 | 1 % | none | $350 | n/a |
| Sitka, City and Borough of | 44 | $973 | $1,531 | 50 % | 3 | $739 | n/a |
| Yukon–Koyukuk Census Area | 64 | $383 | $383 | 5 % | none | $456 | n/a |
Full-risk prices of Alaska homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 1,701 | 94.2 % | $444,975 |
| $1,000 to $2,000 | 47 | 2.6 % | $664,716 |
| $2,000 to $3,000 | 14 | 0.8 % | $585,393 |
| $3,000 to $4,000 | 14 | 0.8 % | $700,824 |
| $4,000 to $5,000 | 5 | 0.3 % | $547,690 |
| $5,000 or more | 24 | 1.3 % |