Home Insurance in Ekwok, Alaska
Homes in Ekwok carry a median value of $108,900 - 32% lower than the Dillingham Census Area median.
The typical home in Ekwok was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 7% of homes were built before 1960, about 1 point above Dillingham Census Area's 6%.
The housing stock in Ekwok is 100% single-family homes.
About 31% of owner-occupied homes in Ekwok have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
All occupied homes in Ekwok are owner-occupied. The vacancy rate is 52%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
100% of homes in Ekwok 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.
Dillingham Census Area had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
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 | $108,900 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)