Home Insurance in Ardentown, Delaware
With a median home value of $400,000, Ardentown is 14% higher than the New Castle County median.
The typical home in Ardentown was built around 1944. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 65% of homes were built before 1960, about 35 points above New Castle County's 30%.
The housing stock in Ardentown is 86% single-family homes and 6% apartments in buildings with 5+ units.
About 51% of owner-occupied homes in Ardentown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Ardentown are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ardentown - 73% - are primarily heated with natural gas.
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.
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 | $400,000 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)