Home Insurance in Delaware City, Delaware
The median home value in Delaware City is $266,900, 24% lower than the New Castle County median.
The typical home in Delaware City was built around 1964. About 45% of homes were built before 1960, about 15 points above New Castle County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Delaware City, the housing stock is 78% single-family homes, 2% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 63% of owner-occupied homes in Delaware City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Delaware City are owner-occupied.
38% of homes in Delaware City 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.
In Delaware, the statewide average premium for a standard HO-3 homeowners policy is $1,196 per year (NAIC, 2023 data).
Key figures
| Median home value | $266,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)