Home Insurance in Houston, Delaware
With a median home value of $310,900, Houston is close to the Kent County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Houston was built around 1947. About 61% of homes were built before 1960, about 47 points above Kent County's 14%.
The housing stock in Houston is 98% single-family homes and 1% mobile or manufactured homes.
In Houston, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Houston are owner-occupied.
68% of homes in Houston are primarily heated with electricity. Homes heated with propane and 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.
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 | $310,900 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)