Home Insurance in Shageluk, Alaska
The typical home in Shageluk was built around 1986. About 11% of homes were built before 1960, about 3 points above Yukon-Koyukuk Census Area's 7%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Shageluk breaks down to 95% single-family homes.
Almost no owner-occupied homes in Shageluk carry a mortgage.
The vacancy rate is 63%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Shageluk are owner-occupied.
86% of homes in Shageluk are primarily heated with wood. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Yukon-Koyukuk Census Area's overall risk as Relatively Low, led by wildfire (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Alaska carries a statewide average premium of $1,216 per year.
Key figures
| Median year built | 1986 |
|---|---|
| Owner-occupied share | 43% |
| 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)