Home Insurance in Nome Census Area, Alaska
Homes in Nome Census Area carry a median value of $211,200 - 40% lower than the Alaska median.
The typical home in Nome Census Area was built around 1985. About 7% of homes were built before 1960, in line with Alaska (8%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Nome Census Area, the housing stock is 82% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 37% of owner-occupied homes in Nome Census Area have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Nome Census Area are owner-occupied.
Most homes in Nome Census Area - 92% - 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's National Risk Index lists winter weather (Relatively High), earthquake (Relatively Low) and wildfire (Very Low) as the leading hazards for Nome Census Area. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Nome Census Area has 37 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $211,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Earthquake (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 37 |
| Home insurance premium | $1,216 - statewide average (NAIC, 2023 data) |
Towns and cities
- Brevig Mission
- Diomede
- Elim
- Gambell
- Golovin
- Nome
- Savoonga
- Shaktoolik
- Shishmaref
- St. Michael
- Stebbins
- Teller
- Unalakleet
- Wales
Smaller communities
-
Koyuk
- Median home value: $95,000
- Median year built: 1986
- Owner-occupied share: 61%
-
White Mountain
- Median home value: $105,900
- Median year built: 1988
- Owner-occupied share: 79%
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)