Home Insurance in Francis, Utah
Homes in Francis carry a median value of $792,700 - 26% lower than the Summit County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Francis was built around 2003. About 13% of homes were built before 1960, about 8 points above Summit County's 5%.
Housing in Francis breaks down to 95% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
79% of owner-occupied homes in Francis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 87% of occupied homes in Francis are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Francis - 83% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Francis? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Summit County and Summit County had 273 active NFIP flood policies as of September 2026. See the full Summit County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Utah is $1,107 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $792,700 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Summit County | 273 |
| Home insurance premium | $1,107 - 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)