Home Insurance in Togiak, Alaska
With a median home value of $95,000, Togiak is 40% lower than the Dillingham Census Area median.
The typical home in Togiak was built around 1986. About 3% of homes were built before 1960, about 3 points below Dillingham Census Area's 6%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Togiak is 82% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Togiak, about 3% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Togiak are owner-occupied.
Most homes in Togiak - 96% - 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 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.
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 | $95,000 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 3% |
| 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)