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Manufactured homes: How safe are you?

When it comes to wind, how does your manufactured home rate?

Mobile Home Living provides a Manufactured Home Inspection Checklist to help consumers gauge how vulnerable their home might be to wind damage based on that home's location, and its Wind Zone Rating. Foundations and anchoring are also discussed.

Americans in manufactured homes

According to the Apartment List 17.7 million Americans live in manufactured homes. Manufactured homes can be an affordable option to renting or purchasing standard stick built construction homes.

Manufactured homes and tornadoes

Residents of manufactured homes may seem to be disproportionately affected by tornadoes and other types of windstorms. According to, 31% of the people killed in tornadoes between 2009 and 2011 were residing in or fleeing from manufactured homes. However, there are steps that can be taken to improve the chances that such homes will be standing after storms when high wind speed and strong gusts pass through an area.

Wind zone ratings

Models with the highest HUD (U.S. Housing and Urban Development Department) Wind Zone Rating offer higher levels of wind resistance. However, even manufactured homes with tie-downs can overturn during storms because they have light frames and offer winds a large surface area to push against. Also, their exteriors are vulnerable to high winds and wind-borne debris.

The HUD Wind Zone Rating, introduced in 1994, designates three zones that govern construction of new manufactured homes:

  • HUD Wind Zone I = 70 mph basic wind speed
  • HUD Wind Zone II = 100 mph basic wind speed
  • HUD Wind Zone III = 110 mph basic wind speed

You can find wind zone ratings on the home's data plate, a paper sticker located in the master bedroom closet, electrical panel or inside a kitchen cabinet.

Manufactured homes built before 1994, as well as HUD Wind Zone I homes, are particularly vulnerable to damage during severe wind events, according to the Institute for Business & Home Safety (IBHS).

Foundations and anchoring

Ideally, all manufactured homes should be installed on a permanent foundation, according to IBHS. If a permanent foundation is not feasible, the latest anchorage recommendations for HUD Wind Zone III should be used for maximum resistance against uplift and overturning forces. This Manufactured Home Inspection Checklist can help homeowners better understand and assess their vulnerabilities to wind and related damage.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

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