Home Insurance in Napaskiak, Alaska
The median home value in Napaskiak is $47,000, 72% lower than the Bethel Census Area median.
The typical home in Napaskiak was built around 1981. About 0% of homes were built before 1960, about 3 points below Bethel Census Area's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Napaskiak is 90% single-family homes and 3% mobile or manufactured homes.
About 4% of owner-occupied homes in Napaskiak have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Napaskiak are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
90% of homes in Napaskiak are primarily heated with fuel oil. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Napaskiak? FEMA's National Risk Index points to winter weather (Relatively High) in Bethel Census Area and 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 | $47,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 4% |
| 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)