Home Insurance in Dillingham Census Area, Alaska
The median home value in Dillingham Census Area is $159,000, 55% lower than the Alaska median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dillingham Census Area was built around 1985. About 6% of homes were built before 1960, about 2 points below Alaska's 8%.
Housing in Dillingham Census Area breaks down to 83% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
25% of owner-occupied homes in Dillingham Census Area carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Dillingham Census Area are owner-occupied. The vacancy rate is 42%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in Dillingham Census Area 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's National Risk Index lists earthquake (Relatively Low), wildfire (Very Low) and winter weather (Relatively Moderate) as the leading hazards for Dillingham Census Area. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Dillingham Census Area had 2 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $159,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Wildfire (Very Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $1,216 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Aleknagik
- Median home value: $40,000
- Median year built: 1988
- Owner-occupied share: 82%
-
Clark's Point
- Median year built: 1982
- Owner-occupied share: 100%
- Share of owner-occupied homes with a mortgage: 0%
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)