Published July 9, 2026 · 40 years in trucking & the trades
What we cover in Hudson
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Hudson choose a local agent
When you're in Hudson, Stafford County, you get a real person who knows KS — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Hudson: the local picture
Living in Hudson, we know the weather can be a real challenge. Those severe thunderstorms, with their strong winds and hail, are a regular concern, especially with the National Weather Service in Wichita always keeping an eye out. It's not just the hail that can ding your car or dent your roof; we also have to consider tornado activity, which is higher than the national average. That means making sure your homeowner's policy has solid wind and hail coverage, and understanding your deductibles, is crucial. Don't forget about your vehicles either; comprehensive coverage is a must when those storms roll through.
Our homes here, many of them older and likely frame construction, come with their own set of insurance considerations. With a median home value around $133,300, it's vital to ensure your dwelling coverage reflects the true cost of rebuilding with modern materials and codes, not just the market value. Older roofs, common in small towns like ours, can be more susceptible to storm damage and may lead to higher replacement costs. We also need to think about potential issues with older systems like plumbing and electrical, making sure you have adequate coverage for unexpected repairs.
The backbone of Hudson's economy, from the Stafford County Flour Mills churning out Hudson Cream Flour to our agricultural roots and the St. John–Hudson USD 350 School District, means our local businesses and institutions have unique insurance needs. From workers' compensation to general liability for farm operations or manufacturing, and property coverage for schools, these entities are vital to our community. Understanding the risks associated with these operations helps protect not just the businesses themselves, but also the livelihoods and services they provide to all of us who call Hudson home.
Population: 193 (2020)
Housing in Hudson
The median home value in Hudson, KS, is around $133,300. Based on the characteristics of a small, rural Kansas town, the housing stock is likely older, predominantly frame construction, and may include manufactured homes, with few to no new subdivisions or designated historic districts. This suggests that existing roofs are likely older, potentially leading to higher replacement costs due to age and the need for modern materials and building codes.
Major local employers & who's hiring
- Stafford County Flour Mills (Hudson Cream Flour) — Agricultural/Grain/Processing
- St. John–Hudson USD 350 School District — Education hiring
Local Hudson businesses
A few businesses that call Hudson home — independent of our agency.
- The Stafford County Flour Mills - Hudson Cream Flour — Farm/Food Producer (Flour Mill)
Local landmarks & geography
- Stafford County Flour Mills — Major industrial plant and employer. Affects commercial property value, potential for environmental liability (e.g., dust, industrial processes), and business interruption insurance considerations for the community.
- Historic Downtown District (descriptive) — Described as a 'historic downtown district' with older buildings. This suggests properties with potential historic value, impacting replacement costs and requiring specialized insurance for older construction. May also indicate higher fire risk in older structures.
- Quivira National Wildlife Refuge (nearby wetlands) — While not directly in Hudson, its proximity in Stafford County and designation as a Wetland of Global Importance indicates a regional influence on flood risk due to wetlands and low-lying areas, affecting properties in and around Hudson, KS.
- Named Rivers/Lakes/Creeks — No specific named rivers, lakes, or creeks directly within Hudson, KS, were identified in web searches. However, the region's proximity to wetlands (Quivira National Wildlife Refuge) suggests a general elevated flood risk.
- Major Interstate/Highway — No major interstate highway was found to pass directly through Hudson, KS. The town is likely connected by smaller state routes or county roads, which would affect local traffic patterns and associated risks, but not the high-volume risks of an interstate.
- University — No university or college is located within Hudson, KS.
Local facts that shape your coverage
- As of the 2020 census, the population of Hudson, Kansas, was 95. — Demographics
- Stafford County Flour Mills Company, located in Hudson, has been perfecting flour milling for over 100 years and produces the signature Hudson Cream Flour. — Economy, Local Landmark
- The townsite of Hudson was platted in 1887 by Daniel Updegraff, who migrated to the area in 1886 from New York. — History
- Stafford County, Kansas, where Hudson is located, receives an average of 27 inches of rain per year. — Climate
- The population of Hudson, Kansas, was 95 as of the 2020 census. — Provides context for the size and scale of the community, influencing local insurance market dynamics and exposure.
- Hudson-area historical tornado activity is near the Kansas state average and 94% greater than the overall U.S. average. — Highlights a significant peril for property and auto insurance, emphasizing the need for robust wind and hail coverage, and potentially influencing deductibles.
Local figures compiled from public sources: zip-codes.com · en.wikipedia.org · kansassampler.org · hudsonkansas.wordpress.com · bestplaces.net · city-data.com. Estimates — verify current details with the original source.
Insurance requirements in Kansas
Kansas is a no-fault state: along with liability, drivers must carry Personal Injury Protection (PIP), which pays your own medical costs regardless of who caused the crash. Kansas also sits in the heart of Tornado Alley, so hail and wind coverage is a real consideration for homes, farms, and businesses. We compare Kansas-admitted carriers to match those requirements to the right price. Verify current state minimums with the Kansas Insurance Department.
Hudson, KS insurance — common questions
How much does insurance cost in Hudson, KS?
Rates in Hudson and Stafford County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Hudson?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Hudson and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Hudson today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.