Home Insurance in Huslia, Alaska
With a median home value of $13,300, Huslia is 86% lower than the Yukon-Koyukuk Census Area median.
The typical home in Huslia was built around 1989. About 0% of homes were built before 1960, about 7 points below Yukon-Koyukuk Census Area's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Huslia, the housing stock is 94% single-family homes.
Almost no owner-occupied homes in Huslia carry a mortgage.
About 89% of occupied homes in Huslia are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Huslia, 52% 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.
What's the biggest home insurance risk near Huslia? 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 home value | $13,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 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)