Home Insurance in St. Francis, Wisconsin
The median home value in St. Francis is $234,500, close to the Milwaukee County median.
The typical home in St. Francis was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 9 points below Milwaukee County's 56%.
Housing in St. Francis breaks down to 50% single-family homes and 36% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in St. Francis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in St. Francis are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. Francis - 68% - are primarily heated with natural gas.
Milwaukee County had 1,390 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Milwaukee 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 | $234,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Milwaukee County | 1,390 |
| 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)