Home Insurance in Nunapitchuk, Alaska
Homes in Nunapitchuk carry a median value of $90,700 - 46% lower than the Bethel Census Area median.
The typical home in Nunapitchuk was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 3% of homes were built before 1960, in line with Bethel Census Area (3%).
Housing in Nunapitchuk breaks down to 98% single-family homes and 2% mobile or manufactured homes.
About 10% of owner-occupied homes in Nunapitchuk have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Nunapitchuk are owner-occupied.
98% of homes in Nunapitchuk 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.
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.
The statewide average premium for a standard HO-3 homeowners policy in Alaska is $1,216 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $90,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 10% |
| 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)