Home Insurance in Kingston, Georgia
The median home value in Kingston is $217,000, 25% lower than the Bartow County median.
The typical home in Kingston was built around 1988. About 22% of homes were built before 1960, about 11 points above Bartow County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kingston is 67% single-family homes and 31% mobile or manufactured homes.
About 46% of owner-occupied homes in Kingston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kingston has an owner-occupancy rate of 74% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Kingston - 66% - are primarily heated with electricity.
FEMA rates Bartow County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Bartow County had 200 active NFIP flood policies as of September 2026. See the full Bartow County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Georgia carries a statewide average premium of $1,828 per year.
Key figures
| Median home value | $217,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Bartow County | 200 |
| Home insurance premium | $1,828 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)