Top Risks to Mobile Homes in 2026 and the Insurance Coverage You Need

Nate Jones, CPCU, ARM, CLCS, AU
Jan 2
3 min read

Mobile homes continue to be a popular housing option due to affordability and flexibility, but they face unique risks that homeowners must plan for. In 2026, evolving climate patterns, aging structures, and increasing liability exposure are shaping the insurance landscape for manufactured homes. Understanding the top risks and how to protect yourself is essential for any mobile home owner.

1. Severe Weather Events

Risk: Hurricanes, tornadoes, hailstorms, and high winds remain the leading cause of property damage to mobile homes. With climate change, extreme weather events are expected to increase.

Insurance Coverage:

Standard mobile home insurance often covers wind, hail, and storm damage.
For homes in hurricane-prone areas, policies may include windstorm endorsements or higher deductibles.
Flood damage is not included in standard coverage and requires a separate policy through FEMA’s National Flood Insurance Program.

2. Flooding and Water Damage

Risk: Low-lying mobile home parks and homes near rivers or lakes are at higher risk of flooding. Rising water from heavy rains or storm surges can cause extensive damage.

Insurance Coverage:

Flood insurance is a separate policy required in many areas.
Sewer or drain backup coverage is optional but highly recommended to protect against internal water damage caused by municipal or storm sewer failures.
Preventive measures, like proper skirting and anchoring, can reduce risk.

3. Fire and Electrical Hazards

Risk: Older wiring, malfunctioning appliances, and external fires pose a significant risk to mobile homes.

Insurance Coverage:

Standard dwelling coverage protects against fire, lightning, and explosions.
Smoke detectors, fire extinguishers, and fire-resistant materials can reduce premiums and increase safety.
Personal property coverage also protects belongings lost in a fire.

4. Aging Structures and Mechanical Failures

Risk: Mobile homes age faster than traditional homes, leading to roof leaks, HVAC failures, plumbing issues, or foundation problems.

Insurance Coverage:

Mechanical breakdown endorsements protect major systems and appliances from sudden failure.
Replacement cost coverage ensures repairs or rebuilding is financially feasible.
Regular maintenance and inspections can reduce claim denials.

5. Liability Risks

Risk: Injuries to visitors, property damage to neighbors, or slip-and-fall accidents on your property can result in costly lawsuits.

Insurance Coverage:

Standard liability coverage protects you against lawsuits and medical costs.
Umbrella liability policies offer additional protection beyond the base limits.
Guest medical payments coverage provides faster reimbursement for minor injuries without legal involvement.

6. Theft and Vandalism

Risk: Mobile homes are sometimes more vulnerable to theft or vandalism due to location or accessibility.

Insurance Coverage:

Personal property coverage protects your belongings inside and, in some cases, outside the home.
Optional endorsements may cover high-value items like electronics or recreational vehicles.

How to Protect Your Mobile Home in 2026

Evaluate your risk exposure: Consider climate, neighborhood safety, and age of your home.
Review coverage limits: Make sure dwelling, personal property, and liability limits meet your needs.
Consider optional add-ons: Flood, sewer backup, mechanical breakdown, and replacement cost coverage.
Work with an experienced provider: A knowledgeable insurer ensures your policy fits your home and risk profile.

Wexford Insurance helps mobile home owners stay ahead of risks with comprehensive coverage designed for manufactured homes.

Conclusion

In 2026, mobile home owners face evolving risks from severe weather, flooding, aging structures, liability exposure, and theft. Proper insurance coverage, combined with preventive measures and maintenance, ensures that your home and belongings are protected from unexpected losses.

Working with Wexford Insurance gives you peace of mind and coverage tailored to the unique risks of manufactured homes.

Contact us today.