Born in Waco in 1930, Frances Cobb Todd was the daughter of Irene Cobb and a member of a prominent African-American family in the Waco community, the Smith-Cobb-Bledsoe family. Todd attended Waco High School and Bishop College in Marshall, Texas, where she graduated magna cum laude. She later earned her master's degree from Prairie View A&M. Frances married Emmitt Todd in 1953, and the couple had one daughter. Frances taught school in Waco Independent School District for over thirty years and was an active member of the community. She was involved in Phi Kappa Delta, Waco Civic Theater, Jack and Jill Incorporated, and New Hope Baptist Church. She died in Waco in 1992.
More information about Frances Cobb Todd can be found in the Frances Cobb Todd papers at The Texas Collection.