HomeInsuranceQts

Home Insurance in South Bethany, Delaware

With a median home value of $955,200, South Bethany is 150% higher than the Sussex County median.

The typical home in South Bethany was built around 1992. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 8 points below Sussex County's 9%.

The housing stock in South Bethany is 99% single-family homes and 1% apartments in buildings with 5+ units.

In South Bethany, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

South Bethany has an owner-occupancy rate of 100% and a vacancy rate of 75%; unoccupied homes typically need a different coverage form.

In South Bethany, 52% of homes 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.

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$955,200
Median year built1992
Owner-occupied share100%
Share of owner-occupied homes with a mortgage51%
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 South Bethany, DE

Nearby towns

Sources

Data last updated: 2026-09-29