Home Insurance in Kennesaw, Georgia
The median home value in Kennesaw is $335,400, 18% lower than the Cobb County median.
The typical home in Kennesaw was built around 1998. About 2% of homes were built before 1960, about 3 points below Cobb County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Kennesaw is 75% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
72% of owner-occupied homes in Kennesaw carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Kennesaw are owner-occupied.
Most homes in Kennesaw - 67% - are primarily heated with natural gas.
What's the biggest home insurance risk near Kennesaw? FEMA's National Risk Index points to tornado (Relatively High) in Cobb County and Cobb County had 2,422 active NFIP flood policies as of September 2026. See the full Cobb 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 | $335,400 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Cobb County | 2,422 |
| 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)