Home Insurance in Bellefonte, Delaware
The median home value in Bellefonte is $289,500, 18% lower than the New Castle County median.
The median home in Bellefonte was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 79% of homes were built before 1960, about 48 points above New Castle County's 30%.
Housing in Bellefonte breaks down to 85% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
74% of owner-occupied homes in Bellefonte carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Bellefonte are owner-occupied.
Most homes in Bellefonte - 70% - 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.
What's the biggest home insurance risk near Bellefonte? FEMA's National Risk Index points to winter weather (Very High) in New Castle County and 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 | $289,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)