Home Insurance in Hudson, Indiana
With a median home value of $100,000, Hudson is 54% lower than the Steuben County median.
The typical home in Hudson was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 47% of homes were built before 1960, about 19 points above Steuben County's 28%.
In Hudson, the housing stock is 70% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Hudson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hudson has an owner-occupancy rate of 84% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
84% of homes in Hudson are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Steuben County had 107 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Steuben County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Indiana, the statewide average premium for a standard HO-3 homeowners policy is $1,259 per year (NAIC, 2023 data).
Key figures
| Median home value | $100,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Steuben County | 107 |
| Home insurance premium | $1,259 - 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)