Home Insurance in Nightmute, Alaska
The typical home in Nightmute was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 22% of homes were built before 1960, about 19 points above Bethel Census Area's 3%.
The housing stock in Nightmute is 100% single-family homes.
About 39% of owner-occupied homes in Nightmute have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Nightmute are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 100% of homes in Nightmute 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 year built | 1982 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)