Flood insurance cost · Kent County, DE

Flood insurance cost in Kent County, Delaware

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 809 home policies in force on August 31, 2026.

Kent County, DelawarePolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$949a year

Half of insured homes paid between $683 and $1,367. That is 17% less than the Delaware median ($1,145). The most common flood zone for insured homes here is zone AE (49%).

$0$683 · $949 · $1,367$1,709

+6.4% vs Aug 31, 2025 (median $892)

809home policies in force

$1,138average cost (mean)

62%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.

Cost by flood zone in Kent County

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,704	$1,377–$2,790	$2,117	58 (7%)	+12.1%
Zone AE High risk	$1,080	$746–$1,506	$1,235	400 (49%)	+6.5%
Zone A High risk	$878	$710–$1,232	$1,135	46 (6%)	+0.1%
Zone X Moderate to low risk	$756	$624–$1,010	$825	305 (38%)	+2.4%

Not shown (fewer than 10 home policies): AO, 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 Kent County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	763	$940	$1,137
2–4 unit building	11	$1,121	$1,114
Manufactured (mobile) home	31	$1,087	$1,235
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.	12	$1,492	$2,201
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	45	$3,146	$3,695

Not shown (fewer than 10 policies): condo or apartment unit.

866NFIP policies in force, any building

866insured units (condo association policies count every unit)

73%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Kent County

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, 2025	Aug 31, 2026	Change
Home policies in force	848	809	−4.6%
Median annual cost	$892	$949	+6.4%
Average annual cost	$1,058	$1,138	+7.6%
All policies in force (any building)	905	866	−4.3%

How many homes have flood insurance?

1.3%of all homes in Kent County have an NFIP policy

36.0%of homes in high-risk zones (special flood hazard area) have one

64,902residential buildings counted by FEMA

1,407of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Kent County, Delaware have filed 376 flood claims. 287 received a payment, for a total of $3,572,915 (an average of $12,449 per paid claim). The year with the most claims was 2008 (64 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2018	13	10	$116,524	$11,652
2016	16	11	$141,302	$12,846
2011	34	21	$390,522	$18,596
2008	64	57	$1,424,218	$24,986
1998	16	12	$101,343	$8,445
1994	36	31	$261,747	$8,443
1992	36	30	$233,705	$7,790
1984	37	30	$142,059	$4,735
1980	38	28	$90,831	$3,244

From 2016 to 2026: 29 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.

Main NFIP communities in the county

Unincorporated Kent County (501 home policies) · Dover (123 home policies) · Bowers (95 home policies) · Little Creek (28 home policies) · Camden (12 home policies) · Smyrna (12 home policies)