Home Insurance in Nuiqsut, Alaska
With a median home value of $140,400, Nuiqsut is 36% lower than the North Slope Borough median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Nuiqsut was built around 1982. About 0% of homes were built before 1960, about 2 points below North Slope Borough's 2%.
In Nuiqsut, the housing stock is 88% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 15% of owner-occupied homes in Nuiqsut have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Nuiqsut has an owner-occupancy rate of 58% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 94% of homes in Nuiqsut are primarily heated with natural gas.
What's the biggest home insurance risk near Nuiqsut? 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 | $140,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)