Home Insurance in Francis Creek, Wisconsin
Homes in Francis Creek carry a median value of $235,900 - 26% higher than the Manitowoc 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 Creek was built around 1975. About 35% of homes were built before 1960, about 11 points below Manitowoc County's 46%.
In Francis Creek, the housing stock is 91% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Francis Creek, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Francis Creek has an owner-occupancy rate of 91% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Francis Creek - 90% - are primarily heated with natural gas.
What's the biggest home insurance risk near Francis Creek? FEMA's National Risk Index points to hail (Relatively High) in Manitowoc County and Manitowoc County had 67 active NFIP flood policies as of September 2026. See the full Manitowoc 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 Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $235,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Manitowoc County | 67 |
| Home insurance premium | $923 - 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)