Home Insurance in Hudson Oaks, Texas
Homes in Hudson Oaks carry a median value of $456,300 - 21% higher than the Parker County median.
The typical home in Hudson Oaks was built around 1999. About 1% of homes were built before 1960, about 5 points below Parker County's 6%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Hudson Oaks is 78% single-family homes, 17% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Hudson Oaks carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Hudson Oaks are owner-occupied.
91% of homes in Hudson Oaks are primarily heated with electricity.
FEMA rates Parker County's overall risk as Relatively Moderate, led by wildfire (Relatively Moderate). Parker County had 450 active NFIP flood policies as of September 2026. See the full Parker 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 Texas carries a statewide average premium of $2,864 per year.
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $456,300 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Parker County | 450 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Hudson Oaks
- GILCHRIST INSURANCE GROUP LLC, Hudson Oaks (General Lines Agency)
- TUBBS & CO. LLC, Hudson Oaks (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)