Home Insurance in Dillingham, Alaska
With a median home value of $307,900, Dillingham is 94% higher than the Dillingham Census Area median.
The typical home in Dillingham was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, in line with Dillingham Census Area (6%).
Housing in Dillingham breaks down to 70% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
47% of owner-occupied homes in Dillingham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Dillingham are owner-occupied.
90% of homes in Dillingham 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.
FEMA rates Dillingham Census Area's overall risk as Very Low, led by earthquake (Relatively Low). Dillingham Census Area had 2 active NFIP flood policies as of September 2026. See the full Dillingham Census Area home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 home value | $307,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Dillingham Census Area | 2 |
| 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)