Home Insurance in Hudson, Illinois
The median home value in Hudson is $224,700, 8% higher than the McLean County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hudson was built around 1988. About 16% of homes were built before 1960, about 7 points below McLean County's 23%.
In Hudson, the housing stock is 100% single-family homes.
About 63% of owner-occupied homes in Hudson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hudson has an owner-occupancy rate of 97% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
97% of homes in Hudson are primarily heated with natural gas.
What's the biggest home insurance risk near Hudson? FEMA's National Risk Index points to tornado (Relatively Moderate) in McLean County and McLean County had 141 active NFIP flood policies as of September 2026. See the full McLean 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 Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $224,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in McLean County | 141 |
| Home insurance premium | $1,480 - 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)