Home Insurance in Clayton, Delaware
The median home value in Clayton is $361,300, 14% higher than the Kent County median.
The typical home in Clayton was built around 2005. About 17% of homes were built before 1960, about 3 points above Kent County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Clayton, the housing stock is 96% single-family homes and 3% mobile or manufactured homes.
In Clayton, about 83% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Clayton are owner-occupied.
89% of homes in Clayton are primarily heated with natural gas.
Kent County had 862 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $361,300 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)