Home Insurance in Little Creek, Delaware
With a median home value of $178,100, Little Creek is 44% lower than the Kent County median.
The typical home in Little Creek was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 53% of homes were built before 1960, about 39 points above Kent County's 14%.
In Little Creek, the housing stock is 72% single-family homes and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Little Creek, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Little Creek are owner-occupied.
In Little Creek, 40% of homes are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Kent County's overall risk as Relatively Moderate, led by winter weather (Relatively High). 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 | $178,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)