Questions & answers · Flood insurance
My mobile home flooded. Does the federal flood policy cover it, and does it matter how it was tied down?
Flood insuranceWho paysChecked Nov 5, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-05 · Source: FEMA · Standard Flood Insurance Policy, Dwelling Form (44 CFR Part 61, Appendix A(1)) · Art. II.C.6.b and Art. III.A.6 View original ↗
In short
- The federal flood policy can cover a manufactured home.
- In a special flood hazard area, it must be anchored in one of three ways.
- The sources here do not say which way fits your home.
What this means
This answer is about the federal National Flood Insurance Program (NFIP) Dwelling Form policy only.
The policy defines a building to include a manufactured home, also known as a mobile home, that is built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation.
If the manufactured home is in a special flood hazard area, the policy says it must be anchored at the time of the loss in one of three ways: by over-the-top or frame ties to ground anchors; in accordance with the manufacturer's specifications; or in compliance with the community's floodplain management requirements, unless it has been continuously insured by the NFIP at the same described location since September 30, 1982.
The sources here do not say whether your home is in a special flood hazard area or which anchoring rule your home meets.
Your next step
Ask your insurer or agent in writing which anchoring rule applies to your home and whether your home sits in a special flood hazard area. The policy does not set a deadline for this question.
Check it yourself
Open the eCFR page and find Article III, section A, item 6.
Where this comes from (1)
[1] FEMA · Standard Flood Insurance Policy, Dwelling Form (44 CFR Part 61, Appendix A(1)) · Art. II.C.6.b and Art. III.A.6 · checked 2026-11-05
b. A manufactured home, also known as a mobile home, is a structure: Built on a permanent chassis, transported to its site in one or more sections, and affixed to a permanent foundation; or … 6. A manufactured home or a travel trailer, as described in the II.C.6. If the manufactured home or travel trailer is in a special flood hazard area, it must be anchored in the following manner at the time of the loss: a. By ove…
How we found this
We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-05.
What we don’t know yet
Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.
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Information only — not legal advice. Your plan, insurer or agency decides.
This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.
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