Home Insurance in Eek, Alaska
Homes in Eek carry a median value of $123,200 - 27% lower than the Bethel Census Area median.
The typical home in Eek was built around 2002. About 4% of homes were built before 1960, about 2 points above Bethel Census Area's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Eek, the housing stock is 100% single-family homes.
About 22% of owner-occupied homes in Eek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Eek has an owner-occupancy rate of 66% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Eek - 100% - are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Bethel Census Area's overall risk as Relatively Low, led by winter weather (Relatively High). 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.
In Alaska, the statewide average premium for a standard HO-3 homeowners policy is $1,216 per year (NAIC, 2023 data).
Key figures
| Median home value | $123,200 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)