Home Insurance in Kaltag, Alaska
The typical home in Kaltag was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 0% of homes were built before 1960, about 7 points below Yukon-Koyukuk Census Area's 7%.
The housing stock in Kaltag is 100% single-family homes.
Almost no owner-occupied homes in Kaltag carry a mortgage.
About 62% of occupied homes in Kaltag are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kaltag - 79% - 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 Kaltag? 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.
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 year built | 1983 |
|---|---|
| Owner-occupied share | 62% |
| 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)