Home Insurance in North Hudson, Wisconsin
With a median home value of $385,300, North Hudson is close to the St. Croix County median.
The typical home in North Hudson was built around 1986. 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 North Hudson breaks down to 90% single-family homes and 5% apartments in buildings with 5+ units.
About 78% of owner-occupied homes in North Hudson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
North Hudson has an owner-occupancy rate of 88% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In North Hudson, 73% of homes are primarily heated with natural gas.
FEMA rates St. Croix County's overall risk as Relatively Low, led by strong wind (Relatively High). 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.
In Wisconsin, the statewide average premium for a standard HO-3 homeowners policy is $923 per year (NAIC, 2023 data).
Key figures
| Median home value | $385,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)