Enter any Delaware address to see its FEMA flood zone designation
Delaware experiences a mixed flood risk profile, with flash floods being the most frequent event type over the last 30 years, followed closely by coastal flooding.
The state's geography, particularly its Atlantic coastline and proximity to major rivers, contributes to these risks. Recent federal disaster declarations highlight the impact of tropical systems, including Remnants of Hurricane Ida, Tropical Storm Isaias, and Hurricane Sandy, which can bring significant storm surge and inland flooding.
National Flood Insurance Program data indicates that Zone A, representing areas with a 1% annual chance of flooding, has the highest number of claims and the largest total payout, suggesting a significant portion of residents in these areas may benefit from flood insurance. However, claims are also present in Zone X, which is typically considered to have a lower flood risk, indicating that flooding can occur in areas not always perceived as high-risk.
Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.
Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data.
Delaware has received 53 federal disaster declarations, including 4 flood and coastal storm declarations and 13 hurricane declarations.
FEMA designates flood zones across Delaware using the following classifications:
AE High Risk — 1% annual chance of flooding (100-year floodplain). Insurance required for federal mortgages.
VE Very High Risk — Coastal flooding with wave action. Strictest building codes.
X (Shaded) Moderate Risk — 500-year floodplain. Insurance recommended.
X Low Risk — Outside major floodplains. Insurance optional but advisable — from 2014 to 2024, nearly one-third of NFIP claims came from outside high-risk zones.
Properties in Delaware FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance through the National Flood Insurance Program (NFIP).
The average NFIP premium in Delaware is approximately $916 per year. Rates vary significantly based on flood zone, building elevation, and coverage amount.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Delaware residents can purchase flood insurance through the NFIP or private insurers.
Visit FloodSmart.gov to find an agent and get a quote.
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