Home Insurance in Bettles, Alaska
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bettles was built around 1983. About 0% of homes were built before 1960, about 7 points below Yukon-Koyukuk Census Area's 7%.
Housing in Bettles breaks down to 92% single-family homes.
Bettles has an owner-occupancy rate of 0% and a vacancy rate of 42%; unoccupied homes typically need a different coverage form.
In Bettles, 100% of homes are primarily heated with wood. Homes heated with wood 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 Bettles? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Yukon-Koyukuk Census Area and Yukon-Koyukuk Census Area had 73 active NFIP flood policies as of September 2026. See the full Yukon-Koyukuk Census Area home insurance overview for all FEMA hazard ratings and flood coverage details.
In Alaska, the statewide average premium for a standard HO-3 homeowners policy is $1,216 per year (NAIC, 2023 data).
Key figures
| Median year built | 1983 |
|---|---|
| Owner-occupied share | 0% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Yukon-Koyukuk Census Area | 73 |
| 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)