Home Insurance in Hudson, South Dakota
The median home value in Hudson is $150,500, 57% lower than the Lincoln County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Hudson was built in 1939 or earlier. About 65% of homes were built before 1960, about 55 points above Lincoln County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hudson is 79% single-family homes and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Hudson, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hudson has an owner-occupancy rate of 82% and a vacancy rate of 10%; 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. Most homes in Hudson - 61% - are primarily heated with propane.
Lincoln County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Lincoln County had 74 active NFIP flood policies as of September 2026. See the full Lincoln County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Dakota, the statewide average premium for a standard HO-3 homeowners policy is $1,614 per year (NAIC, 2023 data).
Key figures
| Median home value | $150,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lincoln County | 74 |
| Home insurance premium | $1,614 - 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)