Home Insurance in Stebbins, Alaska
With a median home value of $107,500, Stebbins is 49% lower than the Nome Census Area median.
The typical home in Stebbins was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, about 4 points below Nome Census Area's 7%.
In Stebbins, the housing stock is 89% single-family homes and 3% apartments in buildings with 5+ units.
30% of owner-occupied homes in Stebbins carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Stebbins are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Stebbins - 90% - are primarily heated with fuel oil. Homes heated with fuel oil and wood 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.
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 | $107,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)