Home Insurance in Emmonak, Alaska
With a median home value of $112,200, Emmonak is 33% higher than the Kusilvak Census Area median.
The typical home in Emmonak was built around 1996. 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%.
The housing stock in Emmonak is 95% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 2% of owner-occupied homes in Emmonak have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Emmonak has an owner-occupancy rate of 79% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
84% of homes in Emmonak 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 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.
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 | $112,200 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 2% |
| 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)