Home Insurance in Hudson, Wisconsin
With a median home value of $392,700, Hudson is close to the St. Croix County median.
The typical home in Hudson was built around 1995. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 6 points above St. Croix County's 17%.
Housing in Hudson breaks down to 70% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Hudson, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Hudson are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Hudson are primarily heated with natural gas.
St. Croix County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. St. Croix County had 112 active NFIP flood policies as of September 2026. See the full St. Croix 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 Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $392,700 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in St. Croix County | 112 |
| Home insurance premium | $923 - 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)