Home Insurance in Mountain Village, Alaska
The median home value in Mountain Village is $50,400, 40% lower than the Kusilvak Census Area median.
The typical home in Mountain Village was built around 1984. About 2% 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.
The housing stock in Mountain Village is 96% single-family homes.
Almost no owner-occupied homes in Mountain Village carry a mortgage.
Mountain Village has an owner-occupancy rate of 73% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Mountain Village, 79% of homes are primarily heated with fuel oil.
Kusilvak Census Area had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $50,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)