Home Insurance in Henlopen Acres, Delaware
Henlopen Acres's median home value is $2,000,000+.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Henlopen Acres was built around 1976. About 29% of homes were built before 1960, about 20 points above Sussex County's 9%.
Housing in Henlopen Acres breaks down to 100% single-family homes.
24% of owner-occupied homes in Henlopen Acres carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 59%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Henlopen Acres are owner-occupied.
63% of homes in Henlopen Acres 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.
What's the biggest home insurance risk near Henlopen Acres? FEMA's National Risk Index points to coastal flooding (Very High) in Sussex County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Delaware carries a statewide average premium of $1,196 per year.
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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)