Manufactured Home

In flood insurance, a manufactured home is a residential building that is transportable in one or more sections, constructed on a permanent chassis, and designed for use as a dwelling when connected to required utilities such as water, electricity, and sewer.

For a manufactured home to be eligible for flood insurance coverage under the National Flood Insurance Program (NFIP), it must be affixed to a permanent foundation and anchored in accordance with applicable federal, state, and local floodplain management requirements.

Manufactured homes located in a Special Flood Hazard Area (SFHA) must also meet NFIP elevation and anchoring standards, including those outlined in 44 CFR §60.3 and Article VII (formerly Article VI, Paragraph G) of the Standard Flood Insurance Policy. These requirements are intended to reduce flood risk and ensure structural stability during flood events.

The term manufactured home does not include park trailers, travel trailers, motor homes, recreational vehicles, or other similar vehicles unless they meet strict criteria that allow them to be regulated as buildings under local floodplain ordinances.

Because coverage eligibility and insurance rates depend heavily on foundation type, elevation, and anchoring, manufactured homes are treated differently from site-built homes under flood insurance policies.