Home Insurance in Delaware County, Pennsylvania
The median home value in Delaware County is $332,200, 31% higher than the Pennsylvania median.
The typical home in Delaware County was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 13 points above Pennsylvania's 45%.
Housing in Delaware County breaks down to 76% single-family homes and 15% apartments in buildings with 5+ units.
In Delaware County, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Delaware County has an owner-occupancy rate of 70% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
60% of homes in Delaware County are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Very High), strong wind (Relatively High) and earthquake (Relatively Moderate) as the leading hazards for Delaware County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Delaware County had 2,016 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Pennsylvania is $1,217 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $332,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Strong Wind (Relatively High), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,016 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Towns and cities
- Brookhaven
- Chester
- Chester Heights
- Clifton Heights
- Collingdale
- Colwyn
- Darby
- East Lansdowne
- Eddystone
- Marcus Hook
- Media
- Millbourne
- Morton
- Norwood
- Parkside
- Prospect Park
- Ridley Park
- Rose Valley
- Rutledge
- Sharon Hill
- Swarthmore
- Trainer
- Upland
- Yeadon
Smaller communities
-
Aldan
- Median home value: $234,800
- Median year built: 1954
- Owner-occupied share: 73%
-
Folcroft
- Median home value: $171,500
- Median year built: 1960
- Owner-occupied share: 68%
-
Glenolden
- Median home value: $215,000
- Median year built: 1954
- Owner-occupied share: 77%
-
Lansdowne
- Median home value: $210,500
- Median year built: 1943
- Owner-occupied share: 67%
Sources
- 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)