Home Insurance in Ardencroft, Delaware
Homes in Ardencroft carry a median value of $432,100 - 23% higher than the New Castle County median.
The typical home in Ardencroft was built around 1962. About 43% of homes were built before 1960, about 13 points above New Castle County's 30%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Ardencroft is 97% single-family homes and 2% apartments in buildings with 5+ units.
62% of owner-occupied homes in Ardencroft carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Ardencroft are owner-occupied.
Most homes in Ardencroft - 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.
New Castle County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. New Castle County had 2,537 active NFIP flood policies as of September 2026. See the full New Castle 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 | $432,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in New Castle County | 2,537 |
| 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)