Home Insurance in Diomede, Alaska
The typical home in Diomede was built around 1988. About 0% of homes were built before 1960, about 7 points below Nome Census Area's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Diomede, the housing stock is 92% single-family homes.
Almost no owner-occupied homes in Diomede carry a mortgage.
The vacancy rate is 62%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 33% of occupied homes in Diomede are owner-occupied.
Most homes in Diomede - 100% - 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.
Nome Census Area had 37 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Nome Census Area home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Alaska is $1,216 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1988 |
|---|---|
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Nome Census Area | 37 |
| 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)