Home Insurance in Yukon-Koyukuk Census Area, Alaska
With a median home value of $98,500, Yukon-Koyukuk Census Area is 72% lower than the Alaska median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Yukon-Koyukuk Census Area was built around 1984. About 7% of homes were built before 1960, in line with Alaska (8%).
The housing stock in Yukon-Koyukuk Census Area is 96% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Yukon-Koyukuk Census Area, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Yukon-Koyukuk Census Area are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Yukon-Koyukuk Census Area, 55% of homes 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.
Per FEMA's National Risk Index, Yukon-Koyukuk Census Area's top hazards are wildfire (Relatively Moderate), winter weather (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Yukon-Koyukuk Census Area has 73 active NFIP flood policies on file.
In Alaska, the statewide average premium for a standard HO-3 homeowners policy is $1,216 per year (NAIC, 2023 data).
Key figures
| Median home value | $98,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Winter Weather (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 73 |
| Home insurance premium | $1,216 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Allakaket
- Median home value: under $10,000
- Median year built: 1985
- Owner-occupied share: 39%
-
Anvik
- Median year built: 1986
- Owner-occupied share: 73%
- Share of owner-occupied homes with a mortgage: 14%
-
Grayling
- Median home value: $114,300
- Median year built: 1982
- Owner-occupied share: 70%
-
Holy Cross
- Median home value: $53,000
- Median year built: 1982
- Owner-occupied share: 81%
-
Hughes
- Median year built: 1989
- Owner-occupied share: 62%
- Share of owner-occupied homes with a mortgage: 30%
-
McGrath
- Median home value: $112,500
- Median year built: 1978
- Owner-occupied share: 75%
-
Nikolai
- Median home value: $100,000
- Median year built: 1975
- Owner-occupied share: 74%
-
Ruby
- Median home value: $205,000
- Median year built: 1988
- Owner-occupied share: 81%
-
Tanana
- Median home value: $67,100
- Median year built: 1984
- Owner-occupied share: 49%
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)