Home Insurance in Noorvik, Alaska
Homes in Noorvik carry a median value of $157,500 - 21% lower than the Northwest Arctic Borough median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Noorvik was built around 1991. About 0% of homes were built before 1960, about 2 points below Northwest Arctic Borough's 2%.
The housing stock in Noorvik is 95% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 19% of owner-occupied homes in Noorvik have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Noorvik has an owner-occupancy rate of 66% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
80% of homes in Noorvik 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.
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 | $157,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)