HomeInsuranceQts

Home Insurance in Bethel, Delaware

With a median home value of $294,700, Bethel is 23% lower than the Sussex County median.

The typical home in Bethel was built around 1950. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 41 points above Sussex County's 9%.

In Bethel, the housing stock is 98% single-family homes.

In Bethel, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Bethel are owner-occupied.

Most homes in Bethel - 63% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

FEMA rates Sussex County's overall risk as Relatively Moderate, led by coastal flooding (Very High). Sussex County had 21,528 active NFIP flood policies as of September 2026. See the full Sussex County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.

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$294,700
Median year built1950
Owner-occupied share98%
Share of owner-occupied homes with a mortgage71%
Top county hazardCoastal Flooding (Very High)
Active NFIP policies in Sussex County21,528
Home insurance premium$1,196 - statewide average (NAIC, 2023 data)
Key home insurance figures for Bethel, DE

Nearby towns

Sources

Data last updated: 2026-09-29