Home Insurance in Hudson, Michigan
Homes in Hudson carry a median value of $110,300 - 44% lower than the Lenawee County median.
The typical home in Hudson was built around 1945. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 70% of homes were built before 1960, about 27 points above Lenawee County's 43%.
In Hudson, the housing stock is 82% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Hudson, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Hudson are owner-occupied.
In Hudson, 89% of homes are primarily heated with natural gas.
Lenawee County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Lenawee County had 60 active NFIP flood policies as of September 2026. See the full Lenawee 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 Michigan carries a statewide average premium of $1,110 per year.
Key figures
| Median home value | $110,300 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lenawee County | 60 |
| Home insurance premium | $1,110 - 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)