Delaware Home-Insurance Distress by County

Delaware reads below the national norm for home-insurance distress — 3 counties averaging 26/100, 31st of 52 states.

Delaware's reading rests on a FEMA hazard average of 0/100 and NFIP flood-claim stress of 75/100.

Over three years Delaware counties filed 65 NFIP flood claims, $554,240 paid.

Highest in Delaware: New Castle County 28/100 (#1730 US), Sussex County 25/100 (#1888 US), Kent County 24/100 (#1946 US).

Delaware counties by insurance band: 3 low (Delaware); Delaware NFIP claims, three years: 65; Delaware payouts $554,240.

Delaware counties with the most NFIP claims: Sussex 34 ($118,338); New Castle 23 ($373,381); Kent 8 ($62,522) in Delaware.

Delaware county average fell: 26.3 in March 2026; Delaware reads 25.7 in October 2026; Delaware by month: March 26.3, April 26.3, May 26.0 (Delaware), June 26.0, July 26.0, August 26.0 (Delaware), September 26.0, October 25.7.

Highest Delaware ZIPs, insurance distress: 34224 81 (climate 94), 33955 81 (climate 94) in Delaware, 33905 47 (climate 99), 33971 47 (climate 99) in Delaware, 33907 47 (climate 99), 33972 47 (climate 99) in Delaware.

Reading the Delaware bands: 0 of 3 Delaware counties sit in a high or worse insurance band; Delaware filed 65 NFIP claims in three years, $554,240 paid to Delaware policyholders; a Delaware county's band moves when FEMA hazard revisions, new Delaware NFIP settlements or carrier filings change its monthly score.