Home Insurance in Kiana, Alaska
Homes in Kiana carry a median value of $192,500 - close to the Northwest Arctic Borough median.
The typical home in Kiana was built around 1992. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 0% of homes were built before 1960, about 2 points below Northwest Arctic Borough's 2%.
Housing in Kiana breaks down to 95% single-family homes and 2% apartments in buildings with 5+ units.
In Kiana, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kiana has an owner-occupancy rate of 72% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Kiana - 90% - 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 had 20 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). 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 | $192,500 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)