Home Insurance in Hartly, Delaware
With a median home value of $87,200, Hartly is 72% lower than the Kent County median.
The typical home in Hartly was built around 2004. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 10 points above Kent County's 14%.
In Hartly, the housing stock is 44% single-family homes and 56% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
98% of owner-occupied homes in Hartly carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hartly has an owner-occupancy rate of 84% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Hartly - 78% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $87,200 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 98% |
| 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)