Alaska
flood insurance data

NFIP premiums in Alaska

NFIP premiums: what NFIP policyholders paid, not a quote. Across 2,606 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $382, and half of them fall between $348 (Q1) and $555 (Q3).

With 2,606 residential NFIP policies effective 2025, Alaska has the 5th fewest of 53 States and territories. Inside the Special Flood Hazard Area (SFHA), the median premium in Alaska is $421, 12.6% higher than outside it ($374); most of its zoned policies sit inside the SFHA (52.5%). Of the 3 zones listed (X, AE, A), zone AE has the highest median premium ($439) and zone A the lowest ($349). No coastal V or VE zone is listed.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 2,606 policies.

NFIP paid building claims in Alaska

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 106 paid claims; median $25,005, half of them between $8,829 (Q1) and $79,643 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $27,091, a monetary adjustment, not today’s cost of repair.

The median paid claim, $25,005, is 32.9% below the national median of the same years ($37,248), the 8th highest of 51 States and territories. The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2024, holds 43.4% of them.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 35 flood, hurricane and severe-storm declarations (DR and EM) covering Alaska, 35 of them major disaster declarations.

Alaska counts 35 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 18th most of 53 States and territories. Severe Storm declarations are the most frequent (23), ahead of Flood (12).

Latest declarations

• DR-4912: SEVERE STORMS, FLOODING, AND REMNANTS OF TYPHOON HALONG (Flood, 2026-05-29)
• DR-4893: SEVERE STORMS, FLOODING, AND REMNANTS OF TYPHOON HALONG (Flood, 2025-10-22)
• DR-4859: SEVERE STORM AND FLOODING (Severe Storm, 2025-01-15)
• DR-4857: SEVERE STORM AND FLOODING (Severe Storm, 2025-01-10)
• DR-4853: SEVERE STORM AND FLOODING (Severe Storm, 2025-01-01)

FEMA assistance to homeowners

Since 2002: 13,759 owner registrations inspected by FEMA in Alaska after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-4413, EARTHQUAKE (declared 2019-01-31): 8,300 inspections
• DR-4893, SEVERE STORMS, FLOODING, AND REMNANTS OF TYPHOON HALONG (declared 2025-10-22): 1,997 inspections
• DR-4672, SEVERE STORM, FLOODING, AND LANDSLIDES (declared 2022-09-23): 835 inspections
• DR-1461, SEVERE WINTER STORM, INCLUDING HIGH WINDS AND FREEZING TEMPERATURES (declared 2003-04-26): 577 inspections
• DR-1843, FLOODING AND ICE JAMS (declared 2009-06-11): 542 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 37 NFIP communities in Alaska: 34 participate in the NFIP and 7 (18.9%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 7 (Anchorage, Municipality of and Valdez, City of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Alaska dates from 1977-03-01 (Skagway, City of). 3 of these communities do not participate in the NFIP; 3 carry a sanction, 1 coded as a suspension and 1 as a withdrawal.

In Alaska, 21.6% of the Status Book’s communities span several counties or match no county by name, so community counts by county are partial there.

Questions about flood insurance in Alaska

How much is flood insurance in Alaska?

NFIP policyholders in Alaska paid a median of $382 for residential policies effective 2025 (2,606 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $348 and $555; $421 inside the Special Flood Hazard Area against $374 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Alaska had?

106 NFIP building claims were paid (year of loss 2015-2024), with a median of $25,005; the year with the most was 2024 (46). These are amounts paid, not repair cost.

Is Alaska in a flood zone?

Of the residential NFIP policies of Alaska (policies effective 2025), 1,358 are rated inside the Special Flood Hazard Area and 1,229 outside it (zones listed: X, AE, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• 0 residential 2025 policies with policyCost <= 0 or empty are left out; 19 kept policies have zone D or an unknown zone (in n, not in the zone tables).
• Owners assistance: county names not matched to a FIPS code (counted in the State total only): Chignik Lagoon (ANV/ANVSA) (no match, 1 inspected); Sealaska (Native Regional Corporation) (no match, 10 inspected)

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).