Home Insurance in Toksook Bay, Alaska
With a median home value of $66,200, Toksook Bay is 61% lower than the Bethel Census Area median.
The typical home in Toksook Bay was built around 1983. 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.
The housing stock in Toksook Bay is 91% single-family homes.
In Toksook Bay, about 9% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Toksook Bay has an owner-occupancy rate of 75% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Toksook Bay, 94% of homes 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.
What's the biggest home insurance risk near Toksook Bay? 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.
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 | $66,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 9% |
| 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)