Home Insurance in Darby, Pennsylvania
The median home value in Darby is $117,900, 65% lower than the Delaware County median.
The typical home in Darby was built around 1949. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 80% of homes were built before 1960, about 22 points above Delaware County's 58%.
Housing in Darby breaks down to 76% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 67% of owner-occupied homes in Darby have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Darby has an owner-occupancy rate of 50% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Darby, 51% of homes are primarily heated with natural gas.
Delaware County had 2,016 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Delaware County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Pennsylvania, the statewide average premium for a standard HO-3 homeowners policy is $1,217 per year (NAIC, 2023 data).
Key figures
| Median home value | $117,900 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Delaware County | 2,016 |
| Home insurance premium | $1,217 - 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)