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Flood insurance cost · Delaware County, PA

Flood insurance cost in Delaware County, Pennsylvania

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,112 home policies in force on August 31, 2026.

Delaware County, PennsylvaniaPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,058a year

Half of insured homes paid between $636 and $1,642. That is 14% less than the Pennsylvania median ($1,232). The most common flood zone for insured homes here is zone AE (46%).

$0$636 · $1,058 · $1,642$2,052
+6.1% vs Aug 31, 2025 (median $997)
1,112home policies in force
$1,256average cost (mean)
61%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 Delaware 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 zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,600$1,037–$2,114$1,721516 (46%)+8.5%
Zone A
High risk		$1,052$773–$1,460$1,131158 (14%)+0.8%
Zone X
Moderate to low risk		$614$467–$977$753438 (39%)+0.8%

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

Type of buildingPoliciesMedianAverage
Single-family home1,048$1,060$1,259
2–4 unit building34$1,730$1,764
Condo or apartment unit28$456$548
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.		42$3,203$4,037
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		198$3,760$4,534

Not shown (fewer than 10 policies): manufactured (mobile) home.

1,352NFIP policies in force, any building
2,019insured units (condo association policies count every unit)
70%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Delaware 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, 2025Aug 31, 2026Change
Home policies in force1,1611,112−4.2%
Median annual cost$997$1,058+6.1%
Average annual cost$1,179$1,256+6.5%
All policies in force (any building)1,3941,352−3.0%

How many homes have flood insurance?

0.7%of all homes in Delaware County have an NFIP policy
38.6%of homes in high-risk zones (special flood hazard area) have one
170,879residential buildings counted by FEMA
1,813of 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 Delaware County, Pennsylvania have filed 3,036 flood claims. 2,407 received a payment, for a total of $57.1 million (an average of $23,703 per paid claim). The year with the most claims was 1999 (509 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 61 claims, 45 paid, $77,654 in total1979: 126 claims, 101 paid, $382,039 in total1980: 26 claims, 21 paid, $162,500 in total19801981: 37 claims, 34 paid, $158,761 in total1983: 11 claims1984: 52 claims, 39 paid, $128,680 in total1985: 18 claims, 14 paid, $50,546 in total1989: 127 claims, 88 paid, $1,053,535 in total1990: 14 claims19901991: 86 claims, 74 paid, $759,389 in total1992: 14 claims1993: 16 claims1994: 77 claims, 62 paid, $627,603 in total1996: 55 claims, 34 paid, $323,893 in total1999: 509 claims, 424 paid, $11,682,507 in total19992000: 18 claims, 10 paid, $46,738 in total20002001: 24 claims, 17 paid, $186,457 in total2003: 82 claims, 62 paid, $1,076,588 in total2004: 335 claims, 294 paid, $5,617,496 in total20042005: 19 claims, 12 paid, $180,667 in total2006: 12 claims2007: 27 claims, 17 paid, $86,479 in total2009: 29 claims, 19 paid, $189,955 in total2010: 326 claims, 271 paid, $8,803,799 in total201020102011: 313 claims, 254 paid, $6,132,101 in total2012: 35 claims, 25 paid, $476,031 in total2013: 24 claims, 18 paid, $146,175 in total2014: 53 claims, 41 paid, $1,384,683 in total2018: 77 claims, 57 paid, $1,398,320 in total2019: 37 claims, 30 paid, $924,044 in total2020: 266 claims, 235 paid, $11,214,823 in total20202021: 35 claims, 29 paid, $2,883,077 in total2024: 14 claims, 11 paid, $221,502 in total
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 (33)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241411$221,502$20,137
20213529$2,883,077$99,416
2020266235$11,214,823$47,723
20193730$924,044$30,801
20187757$1,398,320$24,532
20145341$1,384,683$33,773
20132418$146,175$8,121
20123525$476,031$19,041
2011313254$6,132,101$24,142
2010326271$8,803,799$32,486
20092919$189,955$9,998
20072717$86,479$5,087
200612<10––
20051912$180,667$15,056
2004335294$5,617,496$19,107
20038262$1,076,588$17,364
20012417$186,457$10,968
20001810$46,738$4,674
1999509424$11,682,507$27,553
19965534$323,893$9,526
19947762$627,603$10,123
199316<10––
199214<10––
19918674$759,389$10,262
199014<10––
198912788$1,053,535$11,972
19851814$50,546$3,610
19845239$128,680$3,299
198311<10––
19813734$158,761$4,669
19802621$162,500$7,738
1979126101$382,039$3,783
19786145$77,654$1,726

From 2016 to 2026: 429 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

Upper Darby (148 home policies) · Radnor (138 home policies) · Haverford (136 home policies) · Tinicum (97 home policies) · Ridley (57 home policies) · Springfield (52 home policies)