Home Insurance in Anaktuvuk Pass, Alaska
The median home value in Anaktuvuk Pass is $145,000, 34% lower than the North Slope Borough median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Anaktuvuk Pass was built around 1982. About 0% of homes were built before 1960, about 2 points below North Slope Borough's 2%.
In Anaktuvuk Pass, the housing stock is 82% single-family homes and 15% apartments in buildings with 5+ units.
About 30% of owner-occupied homes in Anaktuvuk Pass have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 41% of occupied homes in Anaktuvuk Pass are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 96% of homes in Anaktuvuk Pass are primarily heated with fuel oil.
What's the biggest home insurance risk near Anaktuvuk Pass? FEMA's National Risk Index points to winter weather (Relatively Moderate) in North Slope Borough and North Slope Borough had 1 active NFIP flood policy as of September 2026. See the full North Slope Borough 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 home value | $145,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in North Slope Borough | 1 |
| 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)