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Home Insurance in Hudson, TX
How Hudson homes and hazards compare with Angelina County and Texas as a whole, and what the differences mean for your policy.
$4,331/yr
About $361/mo · ~$300k-$400k dwelling class
$2,776/yr
About $231/mo after modeled shopping discount
About 35.9% below local market estimate
How Hudson homes compare
| Measure | Hudson | Angelina County | Texas |
|---|---|---|---|
| Median home value | – | $163,500 | $283,800 |
| Median year built | 2003 | 1986 | 1992 |
| Owner-occupied homes | 32% | 64% | 63% |
| Single-family detached | 43% | 65% | 64% |
| Built before 1980 | 17% | 40% | 33% |
| Built 2000 or later | 58% | 29% | 39% |
| Manufactured homes | 37% | 19% | 6% |
Homes in Hudson are newer than the county norm, with a median build year of 2003 against 1986 for Angelina County. Owner-occupancy is lower than the county figure (32% versus 64%). Manufactured homes are more common in Hudson (37% of units) than across Angelina County (19%).
The Census estimate for Hudson is too uncertain to quote, but the Angelina County median home value is $163,500. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Hazard ratings for Angelina County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 29 hail reports |
| Tornadoes | Relatively Moderate | 3 tornadoes |
| Strong wind | Relatively High | 57 thunderstorm wind reports |
| Inland flooding | Relatively Low | 56 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Low | – |
| Lightning | Relatively High | – |
The National Risk Index from FEMA scores Angelina County as relatively low for combined natural-hazard risk. Its leading hazards, by rating, are strong wind (relatively high), lightning (relatively high) and tornadoes (relatively moderate).
Angelina County appears in 8 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Recent ones: Hurricane Beryl (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2016).
Turning the Hudson numbers into coverage choices
- There is no TWIA option in Angelina County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Hudson participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its current effective flood map dates to September 2010. Across Angelina County, 310 residential NFIP policies were in force, roughly 1 for every 106 homes. Policyholders in the county have filed 48 NFIP claims since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- 2003 is the median year built for housing units in Hudson. About 17% of homes went up before 1980, while 58% were built in 2000 or later. Builders’ finishes in newer homes, such as stone counters and custom trim, push replacement cost up, so check that Coverage A keeps pace.
Where to verify Hudson details
The Angelina County appraisal district (www.angelinacad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 105 Miles Way, Ste. 300 Lufkin, TX 75901-5980. Severe weather warnings for Hudson come from the NWS Shreveport, LA office. Its assigned radar site for Hudson is KSHV.
Angelina County is home to Hudson. The Lufkin micropolitan area includes Angelina County. The nearest bigger city is Tyler, about 75 miles from Hudson as the crow flies.
FAQ: Hudson home insurance
Which weather risks matter for insuring a home in Hudson?
Overall, FEMA scores Angelina County as relatively low. The highest individual ratings are for strong wind (relatively high), lightning (relatively high) and tornadoes (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
What coverage do landlords and tenants need in Hudson?
Renters occupy about 68% of homes in Hudson. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Does TWIA cover homes in Hudson?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Angelina County is not among them. Your homeowners carrier covers wind and hail.
How many major disasters has Angelina County seen?
Since 2000, FEMA has declared 8 natural-hazard major disasters that include Angelina County. The most recent was Hurricane Beryl, declared in July 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Request a Hudson homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller 2024 regions
- OpenFEMA flood insurance data, Angelina County
- Census Bureau ACS five-year data, Hudson city: home value, median year built, structure type, tenure, year built, population
- Comptroller CAD listing, Angelina County
- NOAA NCEI storm reports, Angelina County
- Comparison figures: Angelina County value, Angelina County build year, Texas value
- FEMA Community Status Book
- NWS Shreveport, LA
- FEMA NRI county ratings, Angelina County
- Census metro delineation
- Census Gazetteer files
- FEMA disaster declarations, Angelina County
- Texas Windstorm Insurance Association