Home Insurance in Kite, Georgia
Homes in Kite carry a median value of $37,600 - 60% lower than the Johnson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kite was built around 1955. About 61% of homes were built before 1960, about 44 points above Johnson County's 18%.
In Kite, the housing stock is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kite, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kite has an owner-occupancy rate of 66% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Kite - 73% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Kite? FEMA's National Risk Index points to hurricane (Relatively Low) in Johnson County and Johnson County had 3 active NFIP flood policies as of September 2026. See the full Johnson 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 | $37,600 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Johnson County | 3 |
| 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)