Home Insurance in Hudson, Texas
The median home value in Hudson is $171,700, 5% higher than the Angelina County median.
The typical home in Hudson was built around 2003. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, about 6 points below Angelina County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hudson is 44% single-family homes, 16% apartments in buildings with 5+ units and 37% mobile or manufactured homes.
53% 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 32% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
79% of homes in Hudson are primarily heated with electricity.
FEMA rates Angelina County's overall risk as Relatively Low, led by strong wind (Relatively High). Angelina County had 384 active NFIP flood policies as of September 2026. See the full Angelina County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $171,700 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Angelina County | 384 |
| Home insurance premium | $2,864 - 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)