Al-Kharafi is married to Ali Mohammed Thanian Al-Ghanim and has five sons and ten grandchildren. Of her sons, Marzouq Al-Ghanim is the current speaker of Kuwait National Assembly. She spends her Summers at Lake Geneva, Switzerland. Her brothers are Jassem Al-Kharafi, former speaker of the Kuwaiti National Assembly, and the late Nasser Al-Kharafi. She shares in the family fortune from M. A. Kharafi & Sons.