Home Insurance in Manokotak, Alaska
The median home value in Manokotak is $86,700, 45% lower than the Dillingham Census Area median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manokotak was built around 1985. About 2% of homes were built before 1960, about 4 points below Dillingham Census Area's 6%.
The housing stock in Manokotak is 89% single-family homes. The rest are 2-4 unit or other housing types.
Almost no owner-occupied homes in Manokotak carry a mortgage.
About 69% of occupied homes in Manokotak are owner-occupied. The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in Manokotak 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.
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 | $86,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)