Home Insurance in Felton, Delaware
The median home value in Felton is $285,900, 10% lower than the Kent County median.
The typical home in Felton was built around 1998. About 15% of homes were built before 1960, in line with Kent County (14%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Felton breaks down to 81% single-family homes and 14% apartments in buildings with 5+ units.
In Felton, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Felton 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 Felton, 57% of homes are primarily heated with electricity.
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.
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 | $285,900 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)