"According to newly released American Community Survey (ACS) data from the U.S. Census Bureau, Alaska homeowners with a mortgage typically pay $1,000-$1,499 a year for homeowner's insurance, while those without a mortgage pay $800-$999; overall costs fall in the $1,000-$1,499 range. At the extremes, Alaska has 182,292 insured homeowner households in total-110,175 with a mortgage and 72,117 without. Among mortgaged owners, 10,862 pay less than $100 annually and 6,473 pay $4,000 or more."
"The Realtor.com 2025 Climate Risk Report highlights how climate exposure drives insurance burdens nationwide. In high-risk southern metros like Miami, Florida, homeowners face annual premiums averaging $22,718, or 3.7% of the median market value. Cape Coral, Tampa, and Sarasota also rank near the top for steep premiums relative to home values. Flooding alone threatens nearly $306.8 billion in residential value in Miami and $117.7 billion in Tampa, with both metros ranking among the top in the U.S. for flood exposure."
Alaska homeowners with a mortgage typically pay $1,000–$1,499 annually for homeowner's insurance, while those without a mortgage typically pay $800–$999, placing overall costs in the $1,000–$1,499 range. Alaska has 182,292 insured homeowner households, including 110,175 with a mortgage and 72,117 without. Among mortgaged owners, 10,862 pay less than $100 annually and 6,473 pay $4,000 or more. Climate exposure raises premiums elsewhere: in Miami homeowners face average annual premiums of $22,718 (3.7% of median market value), flooding threatens hundreds of billions in residential value, and hurricane deductibles can require substantial out-of-pocket costs.
Read at SFGATE
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