Delaware Home-Insurance Distress by County

Delaware reads below the national average for home-insurance distress — an average county score of 26/100, 29th-highest of 52 states and territories. DLRadar tracks all 3 Delaware counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

The Delaware average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

DLRadar treats the Delaware insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

NFIP paid $544,973 across 60 Delaware flood claims in three years; that ledger is what reprices coverage statewide.

The Delaware insurance-distress score is a composite rather than a single premium figure: it blends FEMA physical-hazard exposure, NFIP flood-claim history, and a carrier-pressure proxy that captures where insurers are raising rates or declining to renew, so a county can rank high on hazard yet moderate on realized losses, or the reverse.

Behind the state number sit an average FEMA hazard score of 0/100 and average NFIP flood-claim stress of 77/100, the hazard basis insurers use to reprice Delaware coverage.

The takeaway for Delaware is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

New Castle County leads Delaware at 28/100, with Sussex County close behind. The county-by-county breakdown below ranks every Delaware market by insurance distress, each linking to its full report.

The Delaware numbers refresh monthly as FEMA hazard revisions, new NFIP claim settlements and carrier filings arrive, so the state's 26/100 average and county ranking reflect the current renewal environment rather than a stale historical read.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces Delaware's insurance-squeezed sellers ahead of the market.