Does Mobile Home Insurance Cover Storms, Floods, and Wind Damage?
- Nate Jones, CPCU, ARM, CLCS, AU
- Dec 31, 2025
- 2 min read
Mobile home owners often wonder if their insurance will cover storm, wind, or flood damage. While mobile home insurance protects against many perils, it’s important to understand what is and isn’t included. Knowing the limits of your policy ensures you’re not left with costly repairs after a disaster.
This guide explains the coverage for storms, wind, and flooding, and offers tips on how to protect your manufactured home effectively.
1. Storm and Wind Damage Coverage
Most standard mobile home insurance policies include protection against:
Hail and lightning strikes
Windstorm damage, such as from tornadoes or high-speed gusts
Fire caused by storms
Important notes:
Deductibles for wind or hurricane-related claims may be higher in certain regions.
Coverage typically applies only if the home is properly anchored and maintained.
For more detailed safety and storm preparation tips, refer to the National Weather Service.
2. Flood Damage Coverage
Flooding is not included in standard mobile home insurance.
Mobile homes in flood-prone areas require a separate flood insurance policy.
Flood insurance can be obtained through FEMA’s National Flood Insurance Program (NFIP).
Homes in high-risk zones may face mandatory flood insurance requirements from lenders.
Flood insurance protects against rising water, heavy rain accumulation, or storm surge damages that standard policies do not cover.
3. Additional Considerations for Natural Disasters
Roof and structural condition: Older or poorly maintained homes may face claim denials for storm or wind damage.
Local regulations: Some states have hurricane or windstorm-specific insurance mandates.
Optional endorsements: You can add coverage for wind, hail, or earthquake depending on regional risks.
Tips to Ensure Adequate Protection
Inspect and maintain your mobile home: Anchors, roofing, and siding should be in good condition.
Bundle policies or review endorsements to cover risks not included in standard insurance.
Work with experienced providers: A knowledgeable insurer can advise which coverage suits your location and home type.
Wexford Insurance helps mobile home owners ensure their homes are protected against storms, wind, and floods.
Conclusion
Mobile home insurance covers many storm and wind-related damages, but flooding requires separate coverage. Understanding your policy, maintaining your home, and working with an experienced provider ensures that your mobile home is adequately protected against natural disasters.
Wexford Insurance can help you customize coverage to your home, location, and risk profile for maximum peace of mind.
Contact us today.