Home Insurance in Kingsland, Georgia
With a median home value of $251,400, Kingsland is close to the Camden County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kingsland was built around 2000. About 7% of homes were built before 1960, in line with Camden County (7%).
In Kingsland, the housing stock is 76% single-family homes, 11% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 74% of owner-occupied homes in Kingsland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kingsland has an owner-occupancy rate of 67% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Kingsland - 90% - are primarily heated with electricity.
Camden County had 2,922 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Camden County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Georgia is $1,828 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $251,400 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Camden County | 2,922 |
| 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)