Home Insurance in Kotlik, Alaska
Homes in Kotlik carry a median value of $75,600 - 10% lower than the Kusilvak Census Area median.
The typical home in Kotlik was built around 1984. About 1% of homes were built before 1960, in line with Kusilvak Census Area (2%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Kotlik, the housing stock is 96% single-family homes.
About 11% of owner-occupied homes in Kotlik have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 62% of occupied homes in Kotlik are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kotlik - 74% - 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.
What's the biggest home insurance risk near Kotlik? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Kusilvak Census Area and 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.
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 | $75,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 11% |
| 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)