<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Generated by ThunderDome XBRL - 06:03PM UTC 2025-11-06--><xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:country="http://xbrl.sec.gov/country/2025" xmlns:currency="http://xbrl.sec.gov/currency/2025" xmlns:dei="http://xbrl.sec.gov/dei/2025" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:ecd="http://xbrl.sec.gov/ecd/2025" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:exch="http://xbrl.sec.gov/exch/2025" xmlns:kfs="http://kingsway-financial.com/20250930" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:naics="http://xbrl.sec.gov/naics/2025" xmlns:sic="http://xbrl.sec.gov/sic/2025" xmlns:srt="http://fasb.org/srt/2025" xmlns:srt-types="http://fasb.org/srt-types/2025" xmlns:stpr="http://xbrl.sec.gov/stpr/2025" xmlns:us-gaap="http://fasb.org/us-gaap/2025" xmlns:us-types="http://fasb.org/us-types/2025" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://kingsway-financial.com/20250930">
  <xsd:import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/exch/2025" schemaLocation="https://xbrl.sec.gov/exch/2025/exch-2025.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2025" schemaLocation="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd"/>
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/currency/2025" schemaLocation="https://xbrl.sec.gov/currency/2025/currency-2025.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/naics/2025" schemaLocation="https://xbrl.sec.gov/naics/2025/naics-2025.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/country/2025" schemaLocation="https://xbrl.sec.gov/country/2025/country-2025.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xsd:import namespace="http://xbrl.org/2020/extensible-enumerations-2.0" schemaLocation="https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd"/>
  <xsd:import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/sic/2025" schemaLocation="https://xbrl.sec.gov/sic/2025/sic-2025.xsd"/>
  <xsd:import namespace="http://fasb.org/us-types/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-types-2025.xsd"/>
  <xsd:import namespace="http://fasb.org/srt-types/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-types-2025.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kfs-20250930_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kfs-20250930_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kfs-20250930_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kfs-20250930_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="statement-document-and-entity-information" roleURI="http://kingsway-financial.com/20250930/role/statement-document-and-entity-information">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">000 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-balance-sheets-current-period-unaudited-" roleURI="http://kingsway-financial.com/20250930/role/statement-consolidated-balance-sheets-current-period-unaudited-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">001 - Statement - Consolidated Balance Sheets (Current Period Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-balance-sheets-current-period-unaudited-parentheticals" roleURI="http://kingsway-financial.com/20250930/role/statement-consolidated-balance-sheets-current-period-unaudited-parentheticals">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">002 - Statement - Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-operations-unaudited" roleURI="http://kingsway-financial.com/20250930/role/statement-consolidated-statements-of-operations-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">003 - Statement - Consolidated Statements of Operations (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-comprehensive-loss-unaudited" roleURI="http://kingsway-financial.com/20250930/role/statement-consolidated-statements-of-comprehensive-loss-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">004 - Statement - Consolidated Statements of Comprehensive Loss (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-shareholders-equity-unaudited" roleURI="http://kingsway-financial.com/20250930/role/statement-consolidated-statements-of-shareholders-equity-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">005 - Statement - Consolidated Statements of Shareholders' Equity (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-shareholders-equity-unaudited-parentheticals" roleURI="http://kingsway-financial.com/20250930/role/statement-consolidated-statements-of-shareholders-equity-unaudited-parentheticals">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">006 - Statement - Consolidated Statements of Shareholders' Equity (Unaudited) (Parentheticals)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-cash-flows-unaudited" roleURI="http://kingsway-financial.com/20250930/role/statement-consolidated-statements-of-cash-flows-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">007 - Statement - Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-cash-flows-unaudited-parentheticals" roleURI="http://kingsway-financial.com/20250930/role/statement-consolidated-statements-of-cash-flows-unaudited-parentheticals">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">008 - Statement - Consolidated Statements of Cash Flows (Unaudited) (Parentheticals)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-1-business-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-1-business-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">009 - Disclosure - Note 1 - Business</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-2-basis-of-presentation-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-2-basis-of-presentation-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">010 - Disclosure - Note 2 - Basis of Presentation</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-summary-of-significant-accounting-policies-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-3-summary-of-significant-accounting-policies-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">011 - Disclosure - Note 3 - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-recently-issued-accounting-standards" roleURI="http://kingsway-financial.com/20250930/role/statement-note-4-recently-issued-accounting-standards">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">012 - Disclosure - Note 4 - Recently Issued Accounting Standards</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">013 - Disclosure - Note 5 - Acquisitions and Discontinued Operations</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-investments-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-6-investments-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">014 - Disclosure - Note 6 - Investments</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-goodwill" roleURI="http://kingsway-financial.com/20250930/role/statement-note-7-goodwill">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">015 - Disclosure - Note 7 - Goodwill</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-intangible-assets" roleURI="http://kingsway-financial.com/20250930/role/statement-note-8-intangible-assets">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">016 - Disclosure - Note 8 - Intangible Assets</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-9-property-and-equipment-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-9-property-and-equipment-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">017 - Disclosure - Note 9 - Property and Equipment</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-debt-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-10-debt-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">018 - Disclosure - Note 10 - Debt</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-11-leases-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-11-leases-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">019 - Disclosure - Note 11 - Leases</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-12-revenue-from-contracts-with-customers" roleURI="http://kingsway-financial.com/20250930/role/statement-note-12-revenue-from-contracts-with-customers">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">020 - Disclosure - Note 12 - Revenue From Contracts With Customers</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-13-income-taxes-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-13-income-taxes-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">021 - Disclosure - Note 13 - Income Taxes</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-14-loss-per-share" roleURI="http://kingsway-financial.com/20250930/role/statement-note-14-loss-per-share">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">022 - Disclosure - Note 14 - Loss Per Share</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-15-stockbased-compensation" roleURI="http://kingsway-financial.com/20250930/role/statement-note-15-stockbased-compensation">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">023 - Disclosure - Note 15 - Stock-based Compensation</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-16-redeemable-preferred-stock-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-16-redeemable-preferred-stock-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">024 - Disclosure - Note 16 - Redeemable Preferred Stock</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-17-redeemable-noncontrolling-interest" roleURI="http://kingsway-financial.com/20250930/role/statement-note-17-redeemable-noncontrolling-interest">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">025 - Disclosure - Note 17 - Redeemable Noncontrolling Interest</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-18-shareholders-equity-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-18-shareholders-equity-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">026 - Disclosure - Note 18 - Shareholders' Equity</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-19-accumulated-other-comprehensive-loss" roleURI="http://kingsway-financial.com/20250930/role/statement-note-19-accumulated-other-comprehensive-loss">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">027 - Disclosure - Note 19 - Accumulated Other Comprehensive Loss</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-20-segmented-information-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-20-segmented-information-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">028 - Disclosure - Note 20 - Segmented Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-21-fair-value-of-financial-instruments-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-21-fair-value-of-financial-instruments-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">029 - Disclosure - Note 21 - Fair Value of Financial Instruments</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-22-related-parties-" roleURI="http://kingsway-financial.com/20250930/role/statement-note-22-related-parties-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">030 - Disclosure - Note 22 - Related Parties</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-23-commitments-and-contingencies" roleURI="http://kingsway-financial.com/20250930/role/statement-note-23-commitments-and-contingencies">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">031 - Disclosure - Note 23 - Commitments and Contingencies</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995478 - Disclosure - Note 5 - Acquisitions and Discontinued Operations (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-investments-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-6-investments-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995479 - Disclosure - Note 6 - Investments (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-goodwill-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-7-goodwill-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995480 - Disclosure - Note 7 - Goodwill (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-intangible-assets-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-8-intangible-assets-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995481 - Disclosure - Note 8 - Intangible Assets (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-9-property-and-equipment-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-9-property-and-equipment-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995482 - Disclosure - Note 9 - Property and Equipment (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-debt-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-10-debt-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995483 - Disclosure - Note 10 - Debt (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-11-leases-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-11-leases-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995484 - Disclosure - Note 11 - Leases (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-12-revenue-from-contracts-with-customers-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-12-revenue-from-contracts-with-customers-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995485 - Disclosure - Note 12 - Revenue From Contracts With Customers (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-13-income-taxes-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-13-income-taxes-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995486 - Disclosure - Note 13 - Income Taxes (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-14-loss-per-share-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-14-loss-per-share-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995487 - Disclosure - Note 14 - Loss Per Share (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-16-redeemable-preferred-stock-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-16-redeemable-preferred-stock-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995488 - Disclosure - Note 16 - Redeemable Preferred Stock (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-17-redeemable-noncontrolling-interest-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-17-redeemable-noncontrolling-interest-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995489 - Disclosure - Note 17 - Redeemable Noncontrolling Interest (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-18-shareholders-equity-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-18-shareholders-equity-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995490 - Disclosure - Note 18 - Shareholders' Equity (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-19-accumulated-other-comprehensive-loss-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-19-accumulated-other-comprehensive-loss-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995491 - Disclosure - Note 19 - Accumulated Other Comprehensive Loss (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-20-segmented-information-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-20-segmented-information-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995492 - Disclosure - Note 20 - Segmented Information (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-21-fair-value-of-financial-instruments-tables" roleURI="http://kingsway-financial.com/20250930/role/statement-note-21-fair-value-of-financial-instruments-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995493 - Disclosure - Note 21 - Fair Value of Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995494 - Disclosure - Note 5 - Acquisitions and Discontinued Operations (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-roundhouse-electric-equipment-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-roundhouse-electric-equipment-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995495 - Disclosure - Note 5 - Acquisitions and Discontinued Operations - Assets Acquired and Liabilities Assumed - Roundhouse Electric &amp; Equipment (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-aaa-advanced-plumbing-and-drain-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-aaa-advanced-plumbing-and-drain-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995496 - Disclosure - Note 5 - Acquisitions and Discontinued Operations - Assets Acquired and Liabilities Assumed - AAA Advanced Plumbing and Drain (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-southside-plumbing-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-southside-plumbing-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995497 - Disclosure - Note 5 - Acquisitions and Discontinued Operations - Assets Acquired and Liabilities Assumed - Southside Plumbing (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-buds-plumbing-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-buds-plumbing-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995498 - Disclosure - Note 5 - Acquisitions and Discontinued Operations - Assets Acquired and Liabilities Assumed - Bud's Plumbing (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-image-solutions-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-image-solutions-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995499 - Disclosure - Note 5 - Acquisitions and Discontinued Operations - Assets Acquired and Liabilities Assumed - Image Solutions (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-pro-forma-information-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-pro-forma-information-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995500 - Disclosure - Note 5 - Acquisitions and Discontinued Operations - Pro Forma Information (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-acquisitions-and-discontinued-operations-financial-information-from-discontinued-operations-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-5-acquisitions-and-discontinued-operations-financial-information-from-discontinued-operations-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995501 - Disclosure - Note 5 - Acquisitions and Discontinued Operations - Financial Information From Discontinued Operations (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-investments-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-6-investments-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995502 - Disclosure - Note 6 - Investments (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-investments-amortized-cost-gross-unrealized-gains-and-losses-and-estimated-fair-value-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-6-investments-amortized-cost-gross-unrealized-gains-and-losses-and-estimated-fair-value-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995503 - Disclosure - Note 6 - Investments - Amortized Cost, Gross Unrealized Gains and Losses, and Estimated Fair Value (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-investments-fixed-maturities-by-contractual-maturity-periods-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-6-investments-fixed-maturities-by-contractual-maturity-periods-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995504 - Disclosure - Note 6 - Investments - Fixed Maturities by Contractual Maturity Periods (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-investments-unrealized-loss-position-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-6-investments-unrealized-loss-position-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995505 - Disclosure - Note 6 - Investments - Unrealized Loss Position (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-investments-net-investment-income-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-6-investments-net-investment-income-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995506 - Disclosure - Note 6 - Investments - Net Investment Income (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-investments-gross-realized-gains-and-losses-on-availableforsale-investments-limited-liability-investment-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-6-investments-gross-realized-gains-and-losses-on-availableforsale-investments-limited-liability-investment-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995507 - Disclosure - Note 6 - Investments - Gross Realized Gains and Losses on Available-for-sale Investments, Limited Liability Investment (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-investments-loss-on-change-in-fair-value-of-equity-investments-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-6-investments-loss-on-change-in-fair-value-of-equity-investments-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995508 - Disclosure - Note 6 - Investments - Loss on Change in Fair Value of Equity Investments (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-goodwill-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-7-goodwill-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995509 - Disclosure - Note 7 - Goodwill (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-goodwill-intangible-assets-goodwill-and-other-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-7-goodwill-intangible-assets-goodwill-and-other-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995510 - Disclosure - Note 7 - Goodwill - Intangible Assets, Goodwill and Other (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-intangible-assets-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-8-intangible-assets-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995511 - Disclosure - Note 8 - Intangible Assets (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-intangible-assets-intangible-assets-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-8-intangible-assets-intangible-assets-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995512 - Disclosure - Note 8 - Intangible Assets - Intangible Assets (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-intangible-assets-intangible-assets-acquired-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-8-intangible-assets-intangible-assets-acquired-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995513 - Disclosure - Note 8 - Intangible Assets- Intangible Assets Acquired (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-9-property-and-equipment-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-9-property-and-equipment-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995514 - Disclosure - Note 9 - Property and Equipment (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-9-property-and-equipment-property-and-equipment-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-9-property-and-equipment-property-and-equipment-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995515 - Disclosure - Note 9 - Property and Equipment - Property and Equipment (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-debt-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-10-debt-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995516 - Disclosure - Note 10 - Debt (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-debt-component-of-debt-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-10-debt-component-of-debt-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995517 - Disclosure - Note 10 - Debt - Component of Debt (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-debt-subordinated-borrowings-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-10-debt-subordinated-borrowings-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995518 - Disclosure - Note 10 - Debt - Subordinated Borrowings (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-debt-schedule-of-debt-maturities-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-10-debt-schedule-of-debt-maturities-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995519 - Disclosure - Note 10 - Debt - Schedule of Debt Maturities (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-11-leases-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-11-leases-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995520 - Disclosure - Note 11 - Leases (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-11-leases-lease-cost-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-11-leases-lease-cost-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995521 - Disclosure - Note 11 - Leases - Lease Cost (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-11-leases-annual-maturities-of-lease-liabilities-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-11-leases-annual-maturities-of-lease-liabilities-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995522 - Disclosure - Note 11 - Leases - Annual Maturities of Lease Liabilities (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-12-revenue-from-contracts-with-customers-1-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-12-revenue-from-contracts-with-customers-1-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995523 - Disclosure - Note 12 - Revenue From Contracts With Customers 1 (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-12-revenue-from-contracts-with-customers-2-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-12-revenue-from-contracts-with-customers-2-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995524 - Disclosure - Note 12 - Revenue From Contracts With Customers 2 (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-12-revenue-from-contracts-with-customers-disaggregation-of-revenue-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-12-revenue-from-contracts-with-customers-disaggregation-of-revenue-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995525 - Disclosure - Note 12 - Revenue From Contracts With Customers - Disaggregation of Revenue (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-12-revenue-from-contracts-with-customers-summary-of-contract-assets-and-contract-liabilities-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-12-revenue-from-contracts-with-customers-summary-of-contract-assets-and-contract-liabilities-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995526 - Disclosure - Note 12 - Revenue From Contracts With Customers - Summary of Contract Assets and Contract Liabilities (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-12-revenue-from-contracts-with-customers-deferred-contract-costs-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-12-revenue-from-contracts-with-customers-deferred-contract-costs-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995527 - Disclosure - Note 12 - Revenue From Contracts With Customers - Deferred Contract Costs (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-13-income-taxes-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-13-income-taxes-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995528 - Disclosure - Note 13 - Income Taxes (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-13-income-taxes-schedule-of-effective-income-tax-rate-reconciliation-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-13-income-taxes-schedule-of-effective-income-tax-rate-reconciliation-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995529 - Disclosure - Note 13 - Income Taxes - Schedule of Effective Income Tax Rate Reconciliation (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-14-loss-per-share-schedule-of-earnings-per-share-basic-and-diluted-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-14-loss-per-share-schedule-of-earnings-per-share-basic-and-diluted-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995530 - Disclosure - Note 14 - Loss Per Share - Schedule of Earnings per Share, Basic and Diluted (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-14-loss-per-share-schedule-of-antidilutive-securities-excluded-from-computation-of-earnings-per-share-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-14-loss-per-share-schedule-of-antidilutive-securities-excluded-from-computation-of-earnings-per-share-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995531 - Disclosure - Note 14 - Loss Per Share - Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-15-stockbased-compensation-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-15-stockbased-compensation-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995532 - Disclosure - Note 15 - Stock-based Compensation (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-16-redeemable-preferred-stock-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-16-redeemable-preferred-stock-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995533 - Disclosure - Note 16 - Redeemable Preferred Stock (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-16-redeemable-preferred-stock-schedule-of-redeemable-preferred-stock-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-16-redeemable-preferred-stock-schedule-of-redeemable-preferred-stock-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995534 - Disclosure - Note 16 - Redeemable Preferred Stock - Schedule of Redeemable Preferred Stock (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-16-redeemable-preferred-stock-schedule-of-preferred-stock-dividends-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-16-redeemable-preferred-stock-schedule-of-preferred-stock-dividends-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995535 - Disclosure - Note 16 - Redeemable Preferred Stock - Schedule of Preferred Stock Dividends (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-17-redeemable-noncontrolling-interest-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-17-redeemable-noncontrolling-interest-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995536 - Disclosure - Note 17 - Redeemable Noncontrolling Interest (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-17-redeemable-noncontrolling-interest-schedule-of-redeemable-noncontrolling-interest-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-17-redeemable-noncontrolling-interest-schedule-of-redeemable-noncontrolling-interest-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995537 - Disclosure - Note 17 - Redeemable Noncontrolling Interest - Schedule of Redeemable Noncontrolling Interest (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-18-shareholders-equity-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-18-shareholders-equity-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995538 - Disclosure - Note 18 - Shareholders' Equity (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-18-shareholders-equity-schedule-of-dividends-to-be-paid-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-18-shareholders-equity-schedule-of-dividends-to-be-paid-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995539 - Disclosure - Note 18 - Shareholders' Equity - Schedule of Dividends to be Paid (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-19-accumulated-other-comprehensive-loss-schedule-of-accumulated-other-comprehensive-loss-income-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-19-accumulated-other-comprehensive-loss-schedule-of-accumulated-other-comprehensive-loss-income-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995540 - Disclosure - Note 19 - Accumulated Other Comprehensive Loss - Schedule of Accumulated Other Comprehensive (Loss) Income (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-19-accumulated-other-comprehensive-loss-components-of-accumulated-other-comprehensive-loss-income-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-19-accumulated-other-comprehensive-loss-components-of-accumulated-other-comprehensive-loss-income-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995541 - Disclosure - Note 19 - Accumulated Other Comprehensive Loss - Components of Accumulated Other Comprehensive (Loss) Income (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-20-segmented-information-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-20-segmented-information-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995542 - Disclosure - Note 20 - Segmented Information (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-20-segmented-information-reconciliation-of-revenue-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-20-segmented-information-reconciliation-of-revenue-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995543 - Disclosure - Note 20 - Segmented Information - Reconciliation of Revenue (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-20-segmented-information-reconciliation-of-operating-profit-loss-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-20-segmented-information-reconciliation-of-operating-profit-loss-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995544 - Disclosure - Note 20 - Segmented Information - Reconciliation of Operating Profit (Loss) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-21-fair-value-of-financial-instruments-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-21-fair-value-of-financial-instruments-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995545 - Disclosure - Note 21 - Fair Value of Financial Instruments (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-21-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-21-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995546 - Disclosure - Note 21 - Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-21-fair-value-of-financial-instruments-reconciliation-of-the-fair-value-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-21-fair-value-of-financial-instruments-reconciliation-of-the-fair-value-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995547 - Disclosure - Note 21 - Fair Value of Financial Instruments - Reconciliation of the Fair Value (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-21-fair-value-of-financial-instruments-fair-value-measurement-inputs-and-valuation-techniques-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-21-fair-value-of-financial-instruments-fair-value-measurement-inputs-and-valuation-techniques-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995548 - Disclosure - Note 21 - Fair Value of Financial Instruments - Fair Value Measurement Inputs and Valuation Techniques (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-21-fair-value-of-financial-instruments-fair-values-for-level-3-measurements-details" roleURI="http://kingsway-financial.com/20250930/role/statement-note-21-fair-value-of-financial-instruments-fair-values-for-level-3-measurements-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995549 - Disclosure - Note 21 - Fair Value of Financial Instruments - Fair Values for Level 3 Measurements (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-22-related-parties-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-22-related-parties-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995550 - Disclosure - Note 22 - Related Parties (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-23-commitments-and-contingencies-details-textual" roleURI="http://kingsway-financial.com/20250930/role/statement-note-23-commitments-and-contingencies-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995551 - Disclosure - Note 23 - Commitments and Contingencies (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="kfs_AcquisitionOfRedeemableNoncontrollingInterest" name="AcquisitionOfRedeemableNoncontrollingInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_AdjustmentsToRetainedEarningsFromPurchaseOfMinorityInterest" name="AdjustmentsToRetainedEarningsFromPurchaseOfMinorityInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_AdvancedPlumbingAndDrainMember" name="AdvancedPlumbingAndDrainMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_AmendedRavixBankLoanMember" name="AmendedRavixBankLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ArgoHoldingsMember" name="ArgoHoldingsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_BeneficialOwnershipPercentage" name="BeneficialOwnershipPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_BlueRibandFundLpMember" name="BlueRibandFundLpMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_BusinessCombinationConsiderationTransferredNet" name="BusinessCombinationConsiderationTransferredNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_BusinessCombinationContingentConsiderationAccruedInterest" name="BusinessCombinationContingentConsiderationAccruedInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="kfs_BusinessCombinationContingentConsiderationLiabilityInterestRate" name="BusinessCombinationContingentConsiderationLiabilityInterestRate" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_BusinessCombinationDisposalAndDiscontinuedOperationsDisclosureTextBlock" name="BusinessCombinationDisposalAndDiscontinuedOperationsDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="kfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIncomeTaxesPayable" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIncomeTaxesPayable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="kfs_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherReceivable" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_BusinessServicesConsultingMember" name="BusinessServicesConsultingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_CapitalizedContractCostAddition" name="CapitalizedContractCostAddition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_CommonStockOutstandingMember" name="CommonStockOutstandingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ConsultingFeesMember" name="ConsultingFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ContingentConsiderationLiabilityMember" name="ContingentConsiderationLiabilityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_ContractWithCustomerAssetAddition" name="ContractWithCustomerAssetAddition" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_ContractWithCustomerLiabilityDeferralOfRevenue" name="ContractWithCustomerLiabilityDeferralOfRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_ContractWithCustomerLiabilityRecognitionOfDeferredRevenue" name="ContractWithCustomerLiabilityRecognitionOfDeferredRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_CostOfGoodsAndServicesSoldOperatingExpense" name="CostOfGoodsAndServicesSoldOperatingExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_CostToFulfillContractMember" name="CostToFulfillContractMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_CostToObtainContractMember" name="CostToObtainContractMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_CsuiteAcquisitionLlcMember" name="CsuiteAcquisitionLlcMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_CurrentEmployeeOfAdvancedPlumbingMember" name="CurrentEmployeeOfAdvancedPlumbingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_CurrentEmployeeOfRoadhouseMember" name="CurrentEmployeeOfRoadhouseMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_CurrentEmployeeOfSouthsidePlumbingMember" name="CurrentEmployeeOfSouthsidePlumbingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_CustomerRefundsPercentage" name="CustomerRefundsPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_DDILoanMember" name="DDILoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_DebtInstrumentLIBORFloor" name="DebtInstrumentLIBORFloor" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_DebtInstrumentMinimumDrawAmount" name="DebtInstrumentMinimumDrawAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_DeferredTaxLiabilitiesLandAndIndefiniteLivedIntangibleAssets" name="DeferredTaxLiabilitiesLandAndIndefiniteLivedIntangibleAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="kfs_DeferredTaxLiabilitiesStateTaxes" name="DeferredTaxLiabilitiesStateTaxes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_DelawareStatutoryTrustIIIMember" name="DelawareStatutoryTrustIIIMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_DigitalDiagnosticsImagingIncDdiMember" name="DigitalDiagnosticsImagingIncDdiMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_DiscontinuedOperationPercentageOfInterestSold" name="DiscontinuedOperationPercentageOfInterestSold" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_DisposalGroupIncludingDiscontinuedOperationConsiderationAssumptionOfMortgages" name="DisposalGroupIncludingDiscontinuedOperationConsiderationAssumptionOfMortgages" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="kfs_DisposalGroupIncludingDiscontinuedOperationTotalExpenses" name="DisposalGroupIncludingDiscontinuedOperationTotalExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_EarningsPerShareContinuingOperationAbstract" name="EarningsPerShareContinuingOperationAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_EffectiveIncomeTaxRateReconciliationContingentConsiderationAmount" name="EffectiveIncomeTaxRateReconciliationContingentConsiderationAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_EffectiveIncomeTaxRateReconciliationInvestmentIncomeNontaxable" name="EffectiveIncomeTaxRateReconciliationInvestmentIncomeNontaxable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_EquityMethodInvestmentsMeasurementInput" name="EquityMethodInvestmentsMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_ExtendedWarrantySegmentMember" name="ExtendedWarrantySegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_FairValueOptionChangesInFairValueGain" name="FairValueOptionChangesInFairValueGain" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_FinitelivedIntangibleAssetsAccumulatedImpairment" name="FinitelivedIntangibleAssetsAccumulatedImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="kfs_FinitelivedIntangibleAssetsMeasurementInput" name="FinitelivedIntangibleAssetsMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_GainLossOnChangeInFairValueOfLimitedLiabilityInvestmentsAtFairValue" name="GainLossOnChangeInFairValueOfLimitedLiabilityInvestmentsAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_GainLossOnChangeInFairValueOfLimitedLiabilityInvestmentsAtFairValueMember" name="GainLossOnChangeInFairValueOfLimitedLiabilityInvestmentsAtFairValueMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_GeneralAndAdministrativeExpensesAndOtherRevenue" name="GeneralAndAdministrativeExpensesAndOtherRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_HealthcareSegmentMember" name="HealthcareSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_IWSMember" name="IWSMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ImageSolutionsLlcMember" name="ImageSolutionsLlcMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ImageSolutionsLoanMember" name="ImageSolutionsLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_IncomeLossFromLimitedLiabilityInvestments" name="IncomeLossFromLimitedLiabilityInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_IncreaseDecreaseInDeferredContractCosts" name="IncreaseDecreaseInDeferredContractCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_IncreaseDecreaseInServiceFeeReceivablesNetAdjustedForAssetsAcquired" name="IncreaseDecreaseInServiceFeeReceivablesNetAdjustedForAssetsAcquired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_IndefinitelivedExcludingGoodwillAccumulatedImpairment" name="IndefinitelivedExcludingGoodwillAccumulatedImpairment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="kfs_IndefinitelivedIntangibleAssetMeasurementInput" name="IndefinitelivedIntangibleAssetMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_IndefinitelivedIntangibleAssetsExcludingGoodwillNet" name="IndefinitelivedIntangibleAssetsExcludingGoodwillNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="kfs_IntangibleAssetsAcquired" name="IntangibleAssetsAcquired" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_IntangibleAssetsExcludingGoodwillAccumulatedAmortization" name="IntangibleAssetsExcludingGoodwillAccumulatedAmortization" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_InternalRateOfReturnMember" name="InternalRateOfReturnMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_KWHBankLoanMember" name="KWHBankLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_KWHRevolverMember" name="KWHRevolverMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_KingswayPlumbingHoldcoLlcMember" name="KingswayPlumbingHoldcoLlcMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_KingswaySearchXceleratorMember" name="KingswaySearchXceleratorMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_KphLoanMember" name="KphLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_KphNoteMember" name="KphNoteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_KphRuaMember" name="KphRuaMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_LeasedRealEstateMember" name="LeasedRealEstateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_LeasesOfLesseeAndLessorDisclosureTextBlock" name="LeasesOfLesseeAndLessorDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_LesseeOperatingLeaseLiabilityToBePaidYearFourAndThereafter" name="LesseeOperatingLeaseLiabilityToBePaidYearFourAndThereafter" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_LimitedLiabilityInvestmentsFairValueMember" name="LimitedLiabilityInvestmentsFairValueMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_LimitedLiabilityInvestmentsMember" name="LimitedLiabilityInvestmentsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_LitigationSettlementReimbursablePercentageOfFutureLosses" name="LitigationSettlementReimbursablePercentageOfFutureLosses" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_LondonInterbankOfferedRateMember" name="LondonInterbankOfferedRateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_LonghornsLlcMember" name="LonghornsLlcMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_LongtermDebtMaturityAfterYearFour" name="LongtermDebtMaturityAfterYearFour" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_MLCPlumbingLLCMember" name="MLCPlumbingLLCMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MaintenanceSupportServiceFeesMember" name="MaintenanceSupportServiceFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MeasurementInputAttritionRateMember" name="MeasurementInputAttritionRateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MeasurementInputRoyaltyRateMember" name="MeasurementInputRoyaltyRateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MedicalEquipmentMember" name="MedicalEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MotorSalesAndRepairServiceFeesMember" name="MotorSalesAndRepairServiceFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_MultiperiodExcessEarningsMember" name="MultiperiodExcessEarningsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_NetIncomeLossAvailableToCommonStockholdersIncludingDiscontinuedOperations" name="NetIncomeLossAvailableToCommonStockholdersIncludingDiscontinuedOperations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDilutedNoncontrollingInterest" name="NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDilutedNoncontrollingInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_NoncontrollingInterestIncreaseDecreaseFromDeconsolidation" name="NoncontrollingInterestIncreaseDecreaseFromDeconsolidation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_NursingServiceLLCMember" name="NursingServiceLLCMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_OtherComprehensiveIncomeLossNetOfTaxIncludingNciAdjustment" name="OtherComprehensiveIncomeLossNetOfTaxIncludingNciAdjustment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_OtherReceivablesMember" name="OtherReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_PWIHoldingsMember" name="PWIHoldingsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PaymentsForProceedsFromPropertyPlantAndEquipment" name="PaymentsForProceedsFromPropertyPlantAndEquipment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PaymentsToAcquireInterestInSubsidiariesAndAffiliatesFinancingActivities" name="PaymentsToAcquireInterestInSubsidiariesAndAffiliatesFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_PennMemberMember" name="PennMemberMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_PercentOfSubscriptionPricePaidForConvertibleShares" name="PercentOfSubscriptionPricePaidForConvertibleShares" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_PreferredSharesConversionPercentageOfSharesAvailableToConvert" name="PreferredSharesConversionPercentageOfSharesAvailableToConvert" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="kfs_PreferredStockDividendRatePercentageIfNotPaidInTwoQuarters" name="PreferredStockDividendRatePercentageIfNotPaidInTwoQuarters" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_PrivateCompanyInvestmentsMember" name="PrivateCompanyInvestmentsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_ProceedsFromIssuanceOfCommonStockGross" name="ProceedsFromIssuanceOfCommonStockGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_ProceedsFromPaymentsForSaleAndMaturityOfOtherInvestments" name="ProceedsFromPaymentsForSaleAndMaturityOfOtherInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixBankLoan2025Member" name="RavixBankLoan2025Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixBankLoanMember" name="RavixBankLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixFinancialIncMember" name="RavixFinancialIncMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixMember" name="RavixMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixPromissoryNoteMember" name="RavixPromissoryNoteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RavixRevolverMember" name="RavixRevolverMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_RealizedInvestmentGains" name="RealizedInvestmentGains" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_RealizedInvestmentGainsAndLosses" name="RealizedInvestmentGainsAndLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RealizedInvestmentGainsLossesMember" name="RealizedInvestmentGainsLossesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_RealizedInvestmentLosses" name="RealizedInvestmentLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="kfs_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNoncontrollingInterestNetOfTax" name="ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNoncontrollingInterestNetOfTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RedeemableClassBPreferredStockMember" name="RedeemableClassBPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RedeemableClassCPreferredStockMember" name="RedeemableClassCPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RedeemableClassDPreferredStockMember" name="RedeemableClassDPreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ReliefFromRoyaltyMember" name="ReliefFromRoyaltyMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RepaymentOfKphNoteInStockMember" name="RepaymentOfKphNoteInStockMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RestrictedCommonUnitAwardsMember" name="RestrictedCommonUnitAwardsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RoundhouseAdvancedPlumbingAndSouthsidePlumbingMember" name="RoundhouseAdvancedPlumbingAndSouthsidePlumbingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RoundhouseElectricEquipmentCoIncMember" name="RoundhouseElectricEquipmentCoIncMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RoundhouseLoanMember" name="RoundhouseLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_RoundhouseSegmentMember" name="RoundhouseSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_SaleOfAssetsRepresentingACertainValueOfConsolidatedReveuePercentage" name="SaleOfAssetsRepresentingACertainValueOfConsolidatedReveuePercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_SecondAmendmentToKwhLoanMember" name="SecondAmendmentToKwhLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SecureNursingServiceIncMember" name="SecureNursingServiceIncMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SellerNoteMember" name="SellerNoteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_SellerPhantomEquityAwardMeasurementInput" name="SellerPhantomEquityAwardMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:pureItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_SellerPhantomEquityAwardMember" name="SellerPhantomEquityAwardMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_SellerPhantomEquityAwards" name="SellerPhantomEquityAwards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_ServiceFeeReceivableMember" name="ServiceFeeReceivableMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ServiceFeesMember" name="ServiceFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ShareRepurchaseProgramMember" name="ShareRepurchaseProgramMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_SharesIssuedPricePerShare1" name="SharesIssuedPricePerShare1" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="duration"/>
  <xsd:element id="kfs_ShortTermInvestmentsFairValueDisclosure" name="ShortTermInvestmentsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="kfs_SkilledTradesRepairAndServiceFeesMember" name="SkilledTradesRepairAndServiceFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SnsAndDdiMember" name="SnsAndDdiMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SnsRevolverMember" name="SnsRevolverMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SnsTermLoanMember" name="SnsTermLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SoftwareLicenseAndSupportFeesMember" name="SoftwareLicenseAndSupportFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SouthsideNoteMember" name="SouthsideNoteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SouthsidePlumbingMember" name="SouthsidePlumbingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SpiRevolverMember" name="SpiRevolverMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_StateAndProvincialRegulatoryAuthoritiesMember" name="StateAndProvincialRegulatoryAuthoritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_SystemsProductsInternationalIncspiMember" name="SystemsProductsInternationalIncspiMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_TermLoanMember" name="TermLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2020KWHBankLoanMember" name="The2020KWHBankLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2022RavixLoanMember" name="The2022RavixLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2024AcquisitionsMember" name="The2024AcquisitionsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2024KWHDDTLlMember" name="The2024KWHDDTLlMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_The2025AcquisitionsMember" name="The2025AcquisitionsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_TheAaaNoteMember" name="TheAaaNoteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_TheSNSLoanMember" name="TheSNSLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ThirdPartiesMember" name="ThirdPartiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_TrinityMember" name="TrinityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_VALafayetteMember" name="VALafayetteMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_ValuationMultiplesMember" name="ValuationMultiplesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_VehicleServiceAgreementFeesMember" name="VehicleServiceAgreementFeesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_WarrantyProductCommissionsMember" name="WarrantyProductCommissionsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-10-debt-component-of-debt-details" name="statement-statement-note-10-debt-component-of-debt-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-10-debt-schedule-of-debt-maturities-details" name="statement-statement-note-10-debt-schedule-of-debt-maturities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-10-debt-subordinated-borrowings-details" name="statement-statement-note-10-debt-subordinated-borrowings-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-10-debt-tables" name="statement-statement-note-10-debt-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-11-leases-annual-maturities-of-lease-liabilities-details" name="statement-statement-note-11-leases-annual-maturities-of-lease-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-11-leases-lease-cost-details" name="statement-statement-note-11-leases-lease-cost-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-11-leases-tables" name="statement-statement-note-11-leases-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-12-revenue-from-contracts-with-customers-deferred-contract-costs-details" name="statement-statement-note-12-revenue-from-contracts-with-customers-deferred-contract-costs-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-12-revenue-from-contracts-with-customers-disaggregation-of-revenue-details" name="statement-statement-note-12-revenue-from-contracts-with-customers-disaggregation-of-revenue-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-12-revenue-from-contracts-with-customers-summary-of-contract-assets-and-contract-liabilities-details" name="statement-statement-note-12-revenue-from-contracts-with-customers-summary-of-contract-assets-and-contract-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-12-revenue-from-contracts-with-customers-tables" name="statement-statement-note-12-revenue-from-contracts-with-customers-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-13-income-taxes-schedule-of-effective-income-tax-rate-reconciliation-details" name="statement-statement-note-13-income-taxes-schedule-of-effective-income-tax-rate-reconciliation-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-13-income-taxes-tables" name="statement-statement-note-13-income-taxes-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-14-loss-per-share-schedule-of-antidilutive-securities-excluded-from-computation-of-earnings-per-share-details" name="statement-statement-note-14-loss-per-share-schedule-of-antidilutive-securities-excluded-from-computation-of-earnings-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-14-loss-per-share-schedule-of-earnings-per-share-basic-and-diluted-details" name="statement-statement-note-14-loss-per-share-schedule-of-earnings-per-share-basic-and-diluted-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-14-loss-per-share-tables" name="statement-statement-note-14-loss-per-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-16-redeemable-preferred-stock-schedule-of-preferred-stock-dividends-details" name="statement-statement-note-16-redeemable-preferred-stock-schedule-of-preferred-stock-dividends-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-16-redeemable-preferred-stock-schedule-of-redeemable-preferred-stock-details" name="statement-statement-note-16-redeemable-preferred-stock-schedule-of-redeemable-preferred-stock-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-16-redeemable-preferred-stock-tables" name="statement-statement-note-16-redeemable-preferred-stock-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-17-redeemable-noncontrolling-interest-schedule-of-redeemable-noncontrolling-interest-details" name="statement-statement-note-17-redeemable-noncontrolling-interest-schedule-of-redeemable-noncontrolling-interest-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-17-redeemable-noncontrolling-interest-tables" name="statement-statement-note-17-redeemable-noncontrolling-interest-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-18-shareholders-equity-schedule-of-dividends-to-be-paid-details" name="statement-statement-note-18-shareholders-equity-schedule-of-dividends-to-be-paid-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-18-shareholders-equity-tables" name="statement-statement-note-18-shareholders-equity-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-19-accumulated-other-comprehensive-loss-components-of-accumulated-other-comprehensive-loss-income-details" name="statement-statement-note-19-accumulated-other-comprehensive-loss-components-of-accumulated-other-comprehensive-loss-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-19-accumulated-other-comprehensive-loss-schedule-of-accumulated-other-comprehensive-loss-income-details" name="statement-statement-note-19-accumulated-other-comprehensive-loss-schedule-of-accumulated-other-comprehensive-loss-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-19-accumulated-other-comprehensive-loss-tables" name="statement-statement-note-19-accumulated-other-comprehensive-loss-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-20-segmented-information-reconciliation-of-operating-profit-loss-details" name="statement-statement-note-20-segmented-information-reconciliation-of-operating-profit-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-20-segmented-information-reconciliation-of-revenue-details" name="statement-statement-note-20-segmented-information-reconciliation-of-revenue-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-20-segmented-information-tables" name="statement-statement-note-20-segmented-information-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-21-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-details" name="statement-statement-note-21-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-21-fair-value-of-financial-instruments-fair-value-measurement-inputs-and-valuation-techniques-details" name="statement-statement-note-21-fair-value-of-financial-instruments-fair-value-measurement-inputs-and-valuation-techniques-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-21-fair-value-of-financial-instruments-fair-values-for-level-3-measurements-details" name="statement-statement-note-21-fair-value-of-financial-instruments-fair-values-for-level-3-measurements-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-21-fair-value-of-financial-instruments-reconciliation-of-the-fair-value-details" name="statement-statement-note-21-fair-value-of-financial-instruments-reconciliation-of-the-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-21-fair-value-of-financial-instruments-tables" name="statement-statement-note-21-fair-value-of-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-aaa-advanced-plumbing-and-drain-details" name="statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-aaa-advanced-plumbing-and-drain-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-buds-plumbing-details" name="statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-buds-plumbing-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-image-solutions-details" name="statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-image-solutions-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-roundhouse-electric-equipment-details" name="statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-roundhouse-electric-equipment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-southside-plumbing-details" name="statement-statement-note-5-acquisitions-and-discontinued-operations-assets-acquired-and-liabilities-assumed-southside-plumbing-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-acquisitions-and-discontinued-operations-financial-information-from-discontinued-operations-details" name="statement-statement-note-5-acquisitions-and-discontinued-operations-financial-information-from-discontinued-operations-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-acquisitions-and-discontinued-operations-pro-forma-information-details" name="statement-statement-note-5-acquisitions-and-discontinued-operations-pro-forma-information-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-5-acquisitions-and-discontinued-operations-tables" name="statement-statement-note-5-acquisitions-and-discontinued-operations-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-6-investments-amortized-cost-gross-unrealized-gains-and-losses-and-estimated-fair-value-details" name="statement-statement-note-6-investments-amortized-cost-gross-unrealized-gains-and-losses-and-estimated-fair-value-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-6-investments-fixed-maturities-by-contractual-maturity-periods-details" name="statement-statement-note-6-investments-fixed-maturities-by-contractual-maturity-periods-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-6-investments-gross-realized-gains-and-losses-on-availableforsale-investments-limited-liability-investment-details" name="statement-statement-note-6-investments-gross-realized-gains-and-losses-on-availableforsale-investments-limited-liability-investment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-6-investments-loss-on-change-in-fair-value-of-equity-investments-details" name="statement-statement-note-6-investments-loss-on-change-in-fair-value-of-equity-investments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-6-investments-net-investment-income-details" name="statement-statement-note-6-investments-net-investment-income-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-6-investments-tables" name="statement-statement-note-6-investments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-6-investments-unrealized-loss-position-details" name="statement-statement-note-6-investments-unrealized-loss-position-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-7-goodwill-intangible-assets-goodwill-and-other-details" name="statement-statement-note-7-goodwill-intangible-assets-goodwill-and-other-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-7-goodwill-tables" name="statement-statement-note-7-goodwill-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-8-intangible-assets-intangible-assets-acquired-details" name="statement-statement-note-8-intangible-assets-intangible-assets-acquired-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-8-intangible-assets-intangible-assets-details" name="statement-statement-note-8-intangible-assets-intangible-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-8-intangible-assets-tables" name="statement-statement-note-8-intangible-assets-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-9-property-and-equipment-property-and-equipment-details" name="statement-statement-note-9-property-and-equipment-property-and-equipment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="kfs_statement-statement-note-9-property-and-equipment-tables" name="statement-statement-note-9-property-and-equipment-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
