Home Insurance in Utqiaġvik, Alaska
With a median home value of $311,400, Utqiaġvik is 43% higher 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 Utqiaġvik was built around 1985. About 3% of homes were built before 1960, about 1 point above North Slope Borough's 2%.
The housing stock in Utqiaġvik is 65% single-family homes and 25% apartments in buildings with 5+ units.
In Utqiaġvik, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Utqiaġvik has an owner-occupancy rate of 46% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Utqiaġvik - 82% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
North Slope Borough's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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 | $311,400 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)