Questions & answers · Flood insurance
My trailer was flooded and I have no insurance. Does the federal flood policy cover a trailer or RV?
Flood insuranceHow to fileChecked Nov 6, 2026
From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: FEMA · Standard Flood Insurance Policy, Dwelling Form (44 CFR Part 61, Appendix A(1)) · Art. II.C.6 (Definitions — Building) · Art. II.C.6 View original ↗
In short
- The federal flood policy counts a travel trailer as a "building" only in a narrow case.
- The trailer must be without wheels, built on a chassis, and affixed to a permanent foundation.
- The policy says a building does not mean a recreational vehicle or park trailer, except as described.
What this means
This answer is about the federal National Flood Insurance Program (NFIP) Dwelling Form policy only, and it only helps if you already have such a policy. The policy defines "building" to include a manufactured home on a permanent foundation and a travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that is regulated under the community's floodplain rules.
The policy says building does not mean a recreational vehicle, park trailer, or other similar vehicle, except in that case. If you had no flood insurance, the sources here do not say what help you can get. For federal disaster help, see our answer about wind and flood damage.
Your next step
Check whether you have an NFIP policy and which items it lists on the declarations page. Report any loss to your flood insurer. The sources give no other deadline here.
Check it yourself
Open the eCFR page and find "Building" in the policy definitions.
Where this comes from (1)
[1] FEMA · Standard Flood Insurance Policy, Dwelling Form (44 CFR Part 61, Appendix A(1)) · Art. II.C.6 (Definitions — Building) · Art. II.C.6 · checked 2026-11-06
6 . Building a . A structure with two or more outside rigid walls and a fully secured roof that is affixed to a permanent site; 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 c . A travel trailer without wheels, built on a chassis and affixed to a permanent foundation, that i…
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 2026-11-06.
What we don’t know yet
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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.
Related answers
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- After a flood, can I keep the damaged property, or can I give it to the insurance company?
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