Home Insurance in Delmar, Delaware
The median home value in Delmar is $232,800, 39% lower than the Sussex County median.
The typical home in Delmar was built around 1992. About 32% of homes were built before 1960, about 23 points above Sussex County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Delmar is 63% single-family homes, 14% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
68% of owner-occupied homes in Delmar carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Delmar has an owner-occupancy rate of 64% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Delmar - 52% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sussex County had 21,528 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). 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.
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 | $232,800 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Sussex County | 21,528 |
| 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)