Home Insurance in Bowers, Delaware
The median home value in Bowers is $304,200, close to the Kent County median.
The typical home in Bowers was built around 1978. About 34% of homes were built before 1960, about 20 points above Kent County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Bowers is 82% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Bowers have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 58%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Bowers are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bowers, 48% of homes are primarily heated with electricity.
FEMA rates Kent County's overall risk as Relatively Moderate, led by winter weather (Relatively High). Kent County had 862 active NFIP flood policies as of September 2026. See the full Kent County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Delaware, the statewide average premium for a standard HO-3 homeowners policy is $1,196 per year (NAIC, 2023 data).
Key figures
| Median home value | $304,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Kent County | 862 |
| Home insurance premium | $1,196 - 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)