Home Insurance in Hudson, Iowa
The median home value in Hudson is $242,700, 28% higher than the Black Hawk County median.
The typical home in Hudson was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 29% of homes were built before 1960, about 12 points below Black Hawk County's 41%.
In Hudson, the housing stock is 92% single-family homes and 5% apartments in buildings with 5+ units.
In Hudson, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hudson has an owner-occupancy rate of 90% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hudson, 66% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Hudson? FEMA's National Risk Index points to strong wind (Relatively High) in Black Hawk County and Black Hawk County had 568 active NFIP flood policies as of September 2026. See the full Black Hawk County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Iowa, the statewide average premium for a standard HO-3 homeowners policy is $1,342 per year (NAIC, 2023 data).
Key figures
| Median home value | $242,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Black Hawk County | 568 |
| Home insurance premium | $1,342 - 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)