Home Insurance in Pilot Station, Alaska
The median home value in Pilot Station is $52,200, 38% lower than the Kusilvak Census Area median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pilot Station was built around 1986. About 0% of homes were built before 1960, about 2 points below Kusilvak Census Area's 2%.
In Pilot Station, the housing stock is 94% single-family homes and 2% mobile or manufactured homes.
About 4% of owner-occupied homes in Pilot Station have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Pilot Station are owner-occupied.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 62% of homes in Pilot Station 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.
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 | $52,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 81% |
| 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)