Home Insurance in Hudson, North Carolina
With a median home value of $223,000, Hudson is 16% higher than the Caldwell 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 1978. About 19% of homes were built before 1960, about 3 points below Caldwell County's 22%.
The housing stock in Hudson is 82% single-family homes and 16% apartments in buildings with 5+ units.
In Hudson, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hudson has an owner-occupancy rate of 81% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
78% of homes in Hudson are primarily heated with electricity.
What's the biggest home insurance risk near Hudson? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Caldwell County and Caldwell County had 166 active NFIP flood policies as of September 2026. See the full Caldwell County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Carolina carries a statewide average premium of $1,852 per year.
Key figures
| Median home value | $223,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Caldwell County | 166 |
| Home insurance premium | $1,852 - 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)