Home Insurance in Gambell, Alaska
The median home value in Gambell is $117,900, 44% lower than the Nome Census Area median.
The typical home in Gambell was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 10 points above Nome Census Area's 7%.
Housing in Gambell breaks down to 92% single-family homes and 1% apartments in buildings with 5+ units.
About 17% of owner-occupied homes in Gambell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gambell has an owner-occupancy rate of 87% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Gambell - 99% - 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 rates Nome Census Area's overall risk as Very Low, led by winter weather (Relatively High). Nome Census Area had 37 active NFIP flood policies as of September 2026. See the full Nome 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 | $117,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)