Home Insurance in Fort Yukon, Alaska
Homes in Fort Yukon carry a median value of $168,200 - 71% higher than the Yukon-Koyukuk Census Area median.
The typical home in Fort Yukon was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 10% of homes were built before 1960, about 3 points above Yukon-Koyukuk Census Area's 7%.
The housing stock in Fort Yukon is 99% single-family homes.
17% of owner-occupied homes in Fort Yukon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fort Yukon has an owner-occupancy rate of 79% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Fort Yukon, 50% 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.
Yukon-Koyukuk Census Area's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. 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 home value | $168,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)