Home Insurance in Dover, Delaware
Homes in Dover carry a median value of $258,900 - 18% lower than the Kent County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dover was built around 1983. About 15% of homes were built before 1960, in line with Kent County (14%).
In Dover, the housing stock is 55% single-family homes, 34% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dover, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dover has an owner-occupancy rate of 47% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Dover - 53% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $258,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)