Home Insurance in Buckland, Alaska
With a median home value of $86,700, Buckland is 56% lower than the Northwest Arctic Borough median.
The typical home in Buckland was built around 1983. About 0% of homes were built before 1960, about 2 points below Northwest Arctic Borough's 2%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Buckland, the housing stock is 97% single-family homes and 3% mobile or manufactured homes.
14% of owner-occupied homes in Buckland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Buckland are owner-occupied.
92% of homes in Buckland 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.
Northwest Arctic Borough's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. 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 | $86,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)