Home Insurance in Cheswold, Delaware
Homes in Cheswold carry a median value of $314,600 - close to the Kent County median.
The typical home in Cheswold was built around 2010. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 10 points below Kent County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cheswold is 56% single-family homes and 44% mobile or manufactured homes.
About 52% of owner-occupied homes in Cheswold have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Cheswold are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cheswold, 67% of homes are primarily heated with natural gas.
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.
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 | $314,600 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)