Home Insurance in Ambler, Alaska
With a median home value of $96,900, Ambler is 51% lower than the Northwest Arctic Borough median.
The typical home in Ambler was built around 1990. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 0% of homes were built before 1960, about 2 points below Northwest Arctic Borough's 2%.
In Ambler, the housing stock is 96% single-family homes.
Almost no owner-occupied homes in Ambler carry a mortgage.
Ambler has an owner-occupancy rate of 85% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Ambler, 43% of homes are primarily heated with wood.
FEMA rates Northwest Arctic Borough's overall risk as Relatively Low, led by winter weather (Relatively Moderate). Northwest Arctic Borough had 20 active NFIP flood policies as of September 2026. See the full Northwest Arctic Borough 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 | $96,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Northwest Arctic Borough | 20 |
| 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)