Home Insurance in Camden, Delaware
The median home value in Camden is $300,100, 5% lower than the Kent County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Camden was built around 2001. About 11% of homes were built before 1960, about 3 points below Kent County's 14%.
Housing in Camden breaks down to 90% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Camden, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Camden has an owner-occupancy rate of 80% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
74% of homes in Camden are primarily heated with natural gas.
Kent County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Delaware carries a statewide average premium of $1,196 per year.
Key figures
| Median home value | $300,100 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)