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Flood insurance cost · DE

Flood insurance cost in Delaware

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 16,309 home policies in force on August 31, 2026.

DelawarePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,145a year

Half of insured homes paid between $762 and $1,555. That is 6% more than the national median ($1,082). Most insured homes here are rated in zone AE (59%).

$0$762 · $1,145 · $1,555$1,944
+10.1% vs Aug 31, 2025 (median $1,040)
16,309home policies in force
$1,280average cost (mean)
68%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Delaware, county by county.

Cost by flood zone in Delaware

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,444$1,116–$1,844$1,572645 (4%)+4.9%
Zone AE
High risk		$1,330$973–$1,754$1,4919,644 (59%)+9.9%
Zone A
High risk		$854$661–$1,204$1,091132 (1%)+6.8%
Zone AO
High risk, shallow		$1,446$1,184–$1,779$1,524715 (4%)+9.0%
Zone X
Moderate to low risk		$739$562–$1,037$8235,173 (32%)+1.2%

Not shown (fewer than 10 home policies): AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Delaware, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home14,612$1,164$1,295
2–4 unit building169$1,463$1,557
Manufactured (mobile) home621$1,428$1,569
Condo or apartment unit907$708$804
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		1,155$2,450$3,369
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		712$2,644$3,836
18,176NFIP policies in force, any building
25,001insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Delaware

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force17,05216,309−4.4%
Median annual cost$1,040$1,145+10.1%
Average annual cost$1,185$1,280+8.0%
All policies in force (any building)18,93818,176−4.0%

Flood claims history

Since 1978, NFIP policyholders in Delaware have filed 6,339 flood claims. 4,735 received a payment, for a total of $91.8 million (an average of $19,396 per paid claim). The year with the most claims was 2012 (1,558 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 35 claims, 28 paid, $170,432 in total1979: 38 claims, 24 paid, $140,199 in total1980: 86 claims, 64 paid, $354,397 in total19801981: 14 claims1982: 23 claims1983: 41 claims, 22 paid, $105,973 in total1984: 119 claims, 76 paid, $245,186 in total1985: 148 claims, 98 paid, $591,143 in total1989: 119 claims, 86 paid, $1,539,040 in total19901991: 110 claims, 62 paid, $150,455 in total1992: 738 claims, 561 paid, $5,444,859 in total19921993: 45 claims, 15 paid, $102,525 in total1994: 162 claims, 123 paid, $1,103,434 in total1996: 79 claims, 47 paid, $600,908 in total1997: 14 claims1998: 783 claims, 582 paid, $6,164,669 in total19981999: 236 claims, 180 paid, $7,280,653 in total2000: 35 claims, 23 paid, $474,265 in total20002001: 14 claims2002: 13 claims2003: 313 claims, 252 paid, $18,274,716 in total2004: 141 claims, 115 paid, $6,338,982 in total2005: 13 claims2006: 66 claims, 42 paid, $864,323 in total2007: 18 claims, 11 paid, $87,060 in total2008: 127 claims, 108 paid, $1,751,806 in total2009: 141 claims, 99 paid, $923,807 in total2010: 65 claims, 45 paid, $1,125,425 in total20102011: 255 claims, 184 paid, $4,813,689 in total2012: 1,558 claims, 1,310 paid, $18,380,403 in total20122013: 64 claims, 37 paid, $371,079 in total2014: 53 claims, 33 paid, $667,090 in total2015: 42 claims, 27 paid, $147,284 in total2016: 166 claims, 119 paid, $1,390,937 in total2017: 17 claims2018: 46 claims, 36 paid, $393,949 in total2019: 23 claims, 10 paid, $99,479 in total2020: 75 claims, 58 paid, $1,625,833 in total20202021: 153 claims, 134 paid, $8,905,493 in total2022: 22 claims2023: 37 claims, 24 paid, $272,414 in total2024: 27 claims, 16 paid, $447,143 in total2025: 28 claims, 16 paid, $97,829 in total2026: 10 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (44)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202610<10––
20252816$97,829$6,114
20242716$447,143$27,946
20233724$272,414$11,351
202222<10––
2021153134$8,905,493$66,459
20207558$1,625,833$28,032
20192310$99,479$9,948
20184636$393,949$10,943
201717<10––
2016166119$1,390,937$11,689
20154227$147,284$5,455
20145333$667,090$20,215
20136437$371,079$10,029
20121,5581,310$18,380,403$14,031
2011255184$4,813,689$26,161
20106545$1,125,425$25,009
200914199$923,807$9,331
2008127108$1,751,806$16,220
20071811$87,060$7,915
20066642$864,323$20,579
200513<10––
2004141115$6,338,982$55,122
2003313252$18,274,716$72,519
200213<10––
200114<10––
20003523$474,265$20,620
1999236180$7,280,653$40,448
1998783582$6,164,669$10,592
199714<10––
19967947$600,908$12,785
1994162123$1,103,434$8,971
19934515$102,525$6,835
1992738561$5,444,859$9,706
199111062$150,455$2,427
198911986$1,539,040$17,896
198514898$591,143$6,032
198411976$245,186$3,226
19834122$105,973$4,817
198223<10––
198114<10––
19808664$354,397$5,537
19793824$140,199$5,842
19783528$170,432$6,087

From 2016 to 2026: 604 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Delaware

Counties with at least 100 NFIP home policies in force have their own page.

ZIP codes with the most insured homes