Home Insurance in Chevak, Alaska
Homes in Chevak carry a median value of $86,200 - close to the Kusilvak Census Area median.
The typical home in Chevak was built around 1998. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 0% of homes were built before 1960, about 2 points below Kusilvak Census Area's 2%.
Housing in Chevak breaks down to 88% single-family homes and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 4% of owner-occupied homes in Chevak have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Chevak are owner-occupied.
Most homes in Chevak - 100% - 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 Kusilvak Census Area's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Kusilvak Census Area had 5 active NFIP flood policies as of September 2026. See the full Kusilvak Census Area home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Alaska is $1,216 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $86,200 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 4% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Kusilvak Census Area | 5 |
| 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)