Home Insurance in Frankford, Delaware
With a median home value of $315,000, Frankford is 18% lower than 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 Frankford was built around 1977. About 19% of homes were built before 1960, about 10 points above Sussex County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Frankford is 84% single-family homes and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 51% of owner-occupied homes in Frankford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Frankford are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Frankford - 74% - are primarily heated with electricity. Homes heated with propane 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 | $315,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)