Homeowners insurance in Delaware: premium by ZIP code
Delaware's median ZIP code paid $1,125 per policy in 2022, among the lowest of any state, ranked 48 of 51.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Delaware (median ZIP code)
$1,125
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,499.
| Change from 2018 to 2022, after inflation | +8.7% |
| Premium per policy in 2018 | $1,035 |
| Premium per policy in 2022 | $1,125 |
| 2022 premium carried to September 2026 (BLS index) | $1,499 |
| Policies not renewed by the insurer, 2022 | 0.84% |
| Claims paid per 100 policies, yearly average | 3.8 |
| Average claim paid, 2018 to 2022 (adjusted) | $14,923 |
| Cancelled for nonpayment, 2022 | 1.59% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 57 ZIP codes in 3 counties of Delaware in the Treasury file · not a quote
Delaware is one of the cheapest states for homeowners insurance in the Treasury file. Its 57 ZIP codes had a median premium per policy of $1,125 in 2022, ranked 48 of 51 and well below the national $1,551. Prices rose +8.2% after inflation from 2018. The three counties are close together: New Castle County in the north paid $1,188, Kent County $1,070 and Sussex County, with the Atlantic beaches, $1,134. The dearest ZIP code was 19807 near Wilmington, $3,653, ahead of the beach ZIP code 19944. Nonrenewals were erratic, from 1.12% in 2018 to 0.30% the next year, and 0.84% in 2022. The paid loss ratio peaked at 49% in 2020. The Delaware FAIR Plan writes homes private insurers decline. The data stop in 2022.
A small state with a narrow range
With only three counties, Delaware's premiums move together. New Castle County's 22 ZIP codes rose +9.6% after inflation from 2018 to 2022, Kent County's 13 rose +9.8% and Sussex County's 22 rose +5.7%. The cheapest tenth of ZIP codes paid under $1,012 and the dearest tenth over $1,432, one of the tightest ranges in the country. ZIP 19804 in New Castle County paid $937, and 19979 in Kent County $979.
Wilmington's château country and the beaches
The highest premium per policy in the state was not at the beach. ZIP 19807, in the wooded estates west of Wilmington, paid $3,653: large houses carry large dwelling limits. ZIP 19944 in Sussex County, on the coast, paid $2,682. Coastal Sussex County homes face nor'easters and the occasional hurricane, and many policies there carry a separate wind or hurricane deductible. Flood, which drives much of the beach risk, is a separate policy everywhere.
Delaware against Maryland or New Jersey
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Median premium per policy in Delaware, 2022
$1,125
| Same premium carried to September 2026 with the BLS index | $1,499 |
| Median ZIP change 2018 to 2022, after inflation | 8.2% |
| Cheapest tenth of ZIP codes pays under | $1,012 |
| Dearest tenth of ZIP codes pays over | $1,432 |
Claims and the 2020 spike
Delaware's paid claims ran at 3.8 per 100 policies a year, ranked 34 of 51. In 2020 the rate rose to 5 and the paid loss ratio to 49%, the year Tropical Storm Isaias crossed the state. By 2022 the ratio had fallen to 29%. The average claim over the five years was $14,923, close to the national $15,105. With claims that size and a premium near $1,125, a small repair close to the deductible is often better paid out of pocket, as the claim calculator shows.
Nonrenewals and the FAIR Plan
Delaware's nonrenewal rate swung more than in larger states, as it can when a single insurer changes course in a small market. The Delaware FAIR Plan writes a basic dwelling fire policy for homes that cannot be placed elsewhere. The Delaware Department of Insurance reviews rates and handles complaints. The nonrenewal page explains notice rules and next steps.
Delaware, year by year
| Year | Delaware median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,035 | $1,445 | 1.12% | 3.9 | 39% |
| 2019 | $1,078 | $1,469 | 0.30% | 2.9 | 41% |
| 2020 | $1,062 | $1,491 | 0.53% | 5 | 49% |
| 2021 | $1,073 | $1,521 | 0.70% | 3.4 | 40% |
| 2022 | $1,125 | $1,551 | 0.84% | 3.2 | 29% |
The Delaware counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| New Castle County | 22 | $1,098 | $1,188 | +9.6% | 0.83% | $12,926 |
| Sussex County | 22 | $1,073 | $1,134 | +5.7% | 0.71% | $16,198 |
| Kent County | 13 | $949 | $1,070 | +9.8% | 0.95% | $15,049 |
Highest and lowest premiums per policy, Delaware ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 19807 | New Castle County | $3,653 | -0.3% | 0.86% |
| 19944 | Sussex County | $2,682 | -5.1% | 0.43% |
| 19930 | Sussex County | $2,373 | +12.1% | 0.60% |
| 19971 | Sussex County | $1,990 | +6.4% | 0.70% |
| 19806 | New Castle County | $1,633 | +1.4% | 0.50% |
| 19804 | New Castle County | $937 | +10.8% | 0.93% |
| 19979 | Kent County | $979 | +13.1% | 1.20% |
| 19940 | Sussex County | $993 | +2.9% | 1.34% |
| 19941 | Sussex County | $994 | -0.1% | 0.58% |
| 19713 | New Castle County | $998 | +10.2% | 1.25% |