Home Insurance in Chuathbaluk, Alaska
With a median home value of $233,300, Chuathbaluk is 39% higher than the Bethel Census Area median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Chuathbaluk was built around 1989. About 2% of homes were built before 1960, in line with Bethel Census Area (3%).
The housing stock in Chuathbaluk is 100% single-family homes.
15% of owner-occupied homes in Chuathbaluk carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Chuathbaluk are owner-occupied. The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Chuathbaluk, 85% of homes are primarily heated with fuel oil.
Bethel Census Area's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Bethel Census Area had 112 active NFIP flood policies as of September 2026. See the full Bethel Census Area home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alaska carries a statewide average premium of $1,216 per year.
Key figures
| Median home value | $233,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Bethel Census Area | 112 |
| Home insurance premium | $1,216 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)