Home Insurance in Ellendale, Delaware
With a median home value of $269,500, Ellendale is 30% lower than the Sussex County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ellendale was built around 2004. About 24% of homes were built before 1960, about 15 points above Sussex County's 9%.
The housing stock in Ellendale is 86% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ellendale, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Ellendale are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Ellendale - 72% - are primarily heated with electricity.
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 | $269,500 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)