HomeInsuranceQts

Home Insurance in Bridgeville, Delaware

Homes in Bridgeville carry a median value of $400,900 - close to the Sussex County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bridgeville was built around 2003. About 20% of homes were built before 1960, about 10 points above Sussex County's 9%.

In Bridgeville, the housing stock is 85% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

42% of owner-occupied homes in Bridgeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Bridgeville are owner-occupied.

65% of homes in Bridgeville are primarily heated with natural gas.

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$400,900
Median year built2003
Owner-occupied share72%
Share of owner-occupied homes with a mortgage42%
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 Bridgeville, DE

Nearby towns

Sources

Data last updated: 2026-09-29