Flood insurance for mobile homes

To ensure your mobile home and belongings are covered from flood damage, you’ll need a separate flood insurance policy on top of standard mobile home insurance.

Pat Howard 1600Kara McGinley


Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

 & Kara McGinley

Kara McGinley

Editor & Licensed Home Insurance Expert

Kara McGinley is an editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

Updated December 20, 2021 | 2 min read

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Mobile or manufactured home insurance protects your home and personal belongings if they’re damaged by a covered peril or burglarized. But water damage is only covered if the cause of the loss was sudden, internal, and accidental — like a burst pipe. Damage from flooding is never covered by mobile home insurance — you’ll need a separate flood insurance policy to cover flood damage.

Key Takeaways

  • You’re required to get flood insurance if your mobile home is in a high-risk flood zone and you have a federally-backed mortgage.

  • Flood insurance is available through the National Flood Insurance Program (NFIP) and the private flood insurance marketplace.

  • The average cost of flood insurance is $738 per year. But if you live in a moderate-to low-risk area, you may qualify for the NFIP’s preferred risk coverage which can cost around $100 a year. 

  • Expect flood insurance rates to rise come April 2022 due to Risk Rating 2.0 — FEMA’s new method for calculating flood insurance rates.

Does mobile homeowners insurance cover flood damage?

No, mobile homeowners insurance policies exclude coverage for flood damage. That means if a hurricane floods your mobile home, you wouldn’t be able to file a claim with your homeowners insurance company, and you’d have to foot the repair bills out of pocket. That’s why it pays to purchase a flood insurance policy, especially if you live in a high-risk flood zone.

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Where can I buy flood insurance?

You have two options for buying flood insurance coverage for your mobile home:

National Flood Insurance Program (NFIP)Private flood insurance company
AvailabilityAll 50 statesMore limited for homes in high-risk flood zones
Maximum rebuild amount$250,000Varies, but typically $500,000+
Maximum contents coverage$100,000Varies, but typically higher limits
Replacement cost value contents coverage availableNoYes
Loss-of-use coverage availableNoYes
Deductible$1,000 or $1,250Varies, but typically higher
Waiting period30 days15 days
Can choose not to renew your policyNoYes

The National Flood Insurance Program offers cost-effective flood insurance policies for homeowners in all 50 states. Just keep in mind its coverage levels aren’t the most comprehensive, and you have to wait an extra 15 days before your policy goes into effect after purchasing it.

But while private flood insurance offers the option of more robust coverage limits, it tends to push higher-deductible plans. And it’s harder to find an insurer willing to cover you if you live in a high-risk flood zone. Private companies also have the option to not renew your policy at the end of the year, while the NFIP can’t do that. 

→ Learn more about NFIP vs. private flood insurance

How does flood insurance protect mobile homes?

 Depending on whether you opt for flood insurance through the NFIP or a private company, you’ll have a few different types of coverage to  protect your mobile home from flood damage:

  1. Building coverage: This protects the structure of your mobile home. In the NFIP plan, you can have up to $250,000 in building coverage protection. Private flood insurance typically offers higher building coverage limits.

  2. Contents coverage: This protects your personal belongings inside your mobile home. The NFIP plan offers up to $100,000 in actual cash value coverage for your belongings, which means depreciation is factored into the reimbursement amount. With private flood insurance, you likely have the option of higher coverage limits and replacement cost contents coverage. 

  3. Loss-of-use coverage: This pays for relocation and additional living expenses if a flood damages or destroys your mobile home and you’re forced to live somewhere else temporarily. This coverage is only available through private flood insurance, the NFIP does not offer loss-of-use coverage.

Learn more about what flood insurance covers here

Is flood insurance required for mobile homes?

If you’ve completely paid off the loan on your mobile or manufactured home, flood insurance is not required. 

But if your mobile home is located in a high-risk flood zone and you have a mortgage through a federally regulated lender, flood insurance is typically required.

That said, experts recommend that most homeowners should buy flood insurance — even if you’ve already paid off your federally-backed mortgage or you live in a moderate- to low-risk area.

25% of flood insurance claims are for homes in low-to-moderate risk areas, FEMA reports

Flood damage is expensive — just one inch of water can cause as much as $25,000 in damages. Homeowners in moderate- to low-risk flood zones, might be eligible for a low-cost Preferred Risk Policy through the NFIP. Preferred risk policies are significantly cheaper than high-risk flood zone policies, with prices starting at $100 per year.

How much does mobile home flood insurance cost? 

The average cost of an NFIP flood insurance policy is around $730 a year. Flood insurance rates are typically calculated based on the following:

  • What flood zone the insured property is located in and the home’s flood risk

  • The age and build of the home

  • How much it is insured for

  • Policy deductible

Why flood insurance premiums may be getting more expensive

FEMA announced a new way of calculating flood insurance rates, called Risk Rating 2.0, in October 2021. The new method is meant to make rates more equitable and reflective of actual flood risks, says FEMA. 

But in actuality, Risk Rating 2.0 is expected to raise rates on 77% of existing flood insurance policies by an average of $96 per year. And if you live in a coastal area, you may see an even higher rate spike.

The rate changes won’t kick in for existing policies until they renew on or after April 2022. So for now, the cost of current active policies are still based on the previous calculation method we outlined above.

What type of mobile homes are eligible for flood insurance?

Before you can get flood insurance for your mobile home or tractor trailer, the home must meet the following criteria, according to the NFIP. [1]

  • The mobile home must be built on a permanent frame and attached to a permanent foundation

  • A tractor trailer is only covered if it has its wheels removed, is built on a frame, and is attached to a permanent foundation