Home Insurance in Kent County, Delaware
With a median home value of $316,600, Kent County is 10% lower than the Delaware median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kent County was built around 1993. About 14% of homes were built before 1960, about 7 points below Delaware's 21%.
The housing stock in Kent County is 74% single-family homes, 11% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
66% of owner-occupied homes in Kent County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kent County has an owner-occupancy rate of 73% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Kent County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively High), hurricane (Relatively Moderate) and inland flooding (Relatively Moderate) as the leading hazards for Kent County.
As of September 2026, Kent County has 862 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Delaware is $1,196 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $316,600 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 862 |
| Home insurance premium | $1,196 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bowers
- Camden
- Cheswold
- Clayton
- Dover
- Felton
- Frederica
- Harrington
- Hartly
- Houston
- Little Creek
- Magnolia
- Smyrna
- Viola
- Woodside
Smaller communities
-
Farmington
- Median home value: $142,800
- Median year built: 1993
- Owner-occupied share: 95%
-
Kenton
- Median home value: $225,000
- Median year built: 2000
- Owner-occupied share: 76%
-
Leipsic
- Median home value: $238,900
- Median year built: 1939 or earlier
- Owner-occupied share: 55%
-
Wyoming
- Median home value: $290,900
- Median year built: 1976
- Owner-occupied share: 69%
Sources
- 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)