Hurricane belt: FL, LA, MS, AL, TX coast
These five states drive the highest mobile home premiums in the US. Wind/hail deductibles are typically separated from the standard deductible and set at 2–5% of dwelling value — on a $80K home, that's a $1,600–$4,000 out-of-pocket hit before any wind claim pays.
Carrier appetite is restricted along the coast. American Modern, Foremost, and state-run last-resort pools (Florida Citizens, Louisiana Citizens, Texas Windstorm Insurance Association) write most coastal manufactured housing. Premiums typically run $1,500–$4,000+/year, with hurricane-exposed barrier islands the highest.
Tornado alley: TX inland, OK, KS, NE, SD, AR
Mid-tier premiums ($700–$1,600/year) driven by tornado and severe-thunderstorm exposure rather than hurricane risk. Tie-down/anchoring discounts are meaningful here — most carriers offer 5–15% off for documented engineered anchoring systems that meet HUD wind zone standards.
Foremost, American Modern, and Farm Bureau cooperatives are the dominant carriers. Hail comprehensive claims (vehicle and structure) are a major loss driver — separate hail deductibles are common.
Midwest & Plains: IA, OH, IN, WI, MI, MN, MO, KY
Lowest mobile home premiums in the US ($400–$800/year for standard homes). Lower catastrophe exposure, larger carrier appetite, and active price competition keep rates down. Most national mobile home carriers (Foremost, American Modern, Assurant, Progressive) compete aggressively for new business.
Underwriting is friendlier here — older homes (pre-1990) often still qualify for replacement cost coverage and are accepted by mainstream specialty carriers without restrictive endorsements.
West & wildfire zones: CA, OR, WA, AZ, CO, NV
California's wildfire crisis has hit mobile homes especially hard — many specialty carriers have non-renewed brush-zone policies, pushing owners to the California FAIR Plan with limited coverage. Premiums in fire-rated ZIP codes can exceed $3,000/year for basic coverage.
Oregon and Washington follow similar patterns in eastside high-brush areas. Arizona, Colorado, and Nevada are mid-tier — wildfire exposure exists but carrier appetite remains broader than CA. Earthquake endorsements are recommended in CA, OR, and WA and are always separate policies.
Northeast & Mid-Atlantic: NY, PA, NJ, NE states
Lower mobile home density means fewer specialty carriers compete, but premiums remain moderate ($700–$1,300/year). Coastal NJ and NY (Long Island) carry hurricane wind deductibles similar to Southeast coastal states. Inland New England is among the calmest pricing markets in the country.
Foremost and Assurant are the dominant carriers. American Modern fills gaps for older or higher-risk homes.