Home Insurance in Francis, Oklahoma
The median home value in Francis is $82,000, 53% lower than the Pontotoc County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Francis was built around 1975. About 32% of homes were built before 1960, about 10 points above Pontotoc County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Francis is 72% single-family homes and 28% mobile or manufactured homes.
In Francis, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Francis has an owner-occupancy rate of 51% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Francis - 62% - are primarily heated with natural gas.
Pontotoc County had 16 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Pontotoc County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Oklahoma carries a statewide average premium of $2,486 per year.
Key figures
| Median home value | $82,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Pontotoc County | 16 |
| Home insurance premium | $2,486 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)