Home Insurance in Hudson, Colorado
The median home value in Hudson is $373,200, 21% lower than the Weld County median.
The typical home in Hudson was built around 1987. About 16% of homes were built before 1960, about 4 points above Weld County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hudson is 66% single-family homes, 9% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
About 51% of owner-occupied homes in Hudson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Hudson are owner-occupied.
Most homes in Hudson - 85% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hudson? FEMA's National Risk Index points to hail (Relatively High) in Weld County and Weld County had 423 active NFIP flood policies as of September 2026. See the full Weld 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 Colorado carries a statewide average premium of $2,492 per year.
Key figures
| Median home value | $373,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Weld County | 423 |
| Home insurance premium | $2,492 - 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)