Home Insurance in Kingston, Michigan
Homes in Kingston carry a median value of $101,000 - 32% lower than the Tuscola County median.
The typical home in Kingston was built around 1944. About 77% of homes were built before 1960, about 39 points above Tuscola County's 39%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Kingston breaks down to 81% single-family homes and 9% apartments in buildings with 5+ units.
62% of owner-occupied homes in Kingston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Kingston are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Kingston are primarily heated with natural gas.
Tuscola County had 103 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Tuscola County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Michigan, the statewide average premium for a standard HO-3 homeowners policy is $1,110 per year (NAIC, 2023 data).
Key figures
| Median home value | $101,000 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Tuscola County | 103 |
| 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)