Home Insurance in Deering, Alaska
The median home value in Deering is $110,900, 44% lower than the Northwest Arctic Borough median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Deering was built around 1989. About 0% of homes were built before 1960, about 2 points below Northwest Arctic Borough's 2%.
Housing in Deering breaks down to 95% single-family homes.
About 60% of owner-occupied homes in Deering have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Deering are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Deering, 98% of homes are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Deering? FEMA's National Risk Index points to winter weather (Relatively Moderate) in Northwest Arctic Borough and 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.
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 | $110,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)