Kristina ("Kristy") Kowal (born on October 9, 1978 in Reading, Pennsylvania) is an international topswimmer from the United States, who won the silver medal in the 200m breaststroke at the 2000 Summer Olympics in Sydney.

Kowal became a member of the United States Swimming Team in 1995. She hadn't swam year-round until the spring of 1995 and that was just a couple months before making the 1995 Pan Pac Team, which was the first international team she had been on. Kowal enjoys reading, hiking, and biking.