Home Insurance in Nulato, Alaska
Homes in Nulato carry a median value of $102,700 - close to the Yukon-Koyukuk Census Area median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Nulato was built around 1987. About 0% of homes were built before 1960, about 7 points below Yukon-Koyukuk Census Area's 7%.
The housing stock in Nulato is 97% single-family homes and 3% mobile or manufactured homes.
Almost no owner-occupied homes in Nulato carry a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Nulato are owner-occupied.
Most homes in Nulato - 58% - 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 had 73 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Moderate). 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 | $102,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 82% |
| 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)