Home Insurance in Kingsley, Michigan
With a median home value of $268,800, Kingsley is 21% lower than the Grand Traverse County median.
The typical home in Kingsley was built around 1987. About 13% of homes were built before 1960, about 6 points below Grand Traverse County's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Kingsley is 67% single-family homes, 4% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
73% of owner-occupied homes in Kingsley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kingsley has an owner-occupancy rate of 67% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Kingsley, 90% of homes are primarily heated with natural gas.
Grand Traverse County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Grand Traverse County had 144 active NFIP flood policies as of September 2026. See the full Grand Traverse 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 Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $268,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Grand Traverse County | 144 |
| Home insurance premium | $1,110 - 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)