Texas (TX)
Mobile & Manufactured Home Insurance in Texas
Texas titles manufactured homes through the Texas Department of Housing and Community Affairs’ Statement of Ownership and Location, and the coastal counties fall under the state’s most demanding Wind Zone III anchoring requirements, so tie-down documentation is central to underwriting anywhere near the Gulf. Chapter 94 of the Texas Property Code layers park-specific lease-termination and lot-sale notice duties on top of the state’s general landlord-tenant law.
Texas at a glance
- Titling authority
- TDHCA Statement of Ownership and Location
- Coastal installation standard
- HUD-code Wind Zone III anchoring
- Park tenancy statute
- Texas Property Code Chapter 94
- Regional exposure split
- Coastal hurricane risk versus Panhandle hail and West Texas wildfire
Serves as the manufactured home’s title until an owner elects real-property conversion.
Applies to Gulf Coast counties and requires the highest tie-down rating under TDHCA rules.
Sets lease-termination procedure and a minimum 61-day notice before a land-use change forces relocation.
Catastrophe exposure differs sharply by region within the state.
TDHCA’s Statement of Ownership and Location (SOL)
TDHCA’s Manufactured Housing Division issues the Statement of Ownership and Location, Texas’s equivalent of a title, and administers the licensing of manufacturers, retailers, brokers, and installers under the state’s HUD-code program. Converting a home to real property requires filing an election with the county and TDHCA to treat the home as real estate, after which the SOL is retired; a community or dealer handling resales should confirm current SOL status before assuming a home’s legal classification, since Texas treats the two paths very differently for lien and tax purposes.
Wind Zone III anchoring along the Gulf Coast
TDHCA’s installation standards assign Texas counties to Wind Zone I, II, or III, with the immediate Gulf Coast falling into Zone III, the most demanding anchoring and tie-down category under the HUD code. A community sited in a Zone III county should have installer certifications reflecting that higher standard rather than a generic anchoring package, because homes anchored to a lower zone’s requirements suffer disproportionately worse wind damage when a hurricane or tropical system reaches the coast.
Chapter 94 lease termination and 61-day sale notice
Texas Property Code Chapter 94 governs manufactured-home tenancies and requires park owners to give written notice of specific lease terms, follow defined procedures before terminating a tenancy, and provide at least 61 days’ notice before a change in land use forces residents to relocate. A community planning any land-use change or park sale needs Chapter 94’s notice periods built into the transition timeline, and management liability coverage discussions should reflect that these notice failures are a recognized source of resident litigation in Texas.
Hail, hurricane, and inland tornado exposure across regions
Texas communities face genuinely different catastrophe profiles by region: Gulf Coast parks plan around hurricane wind and storm surge, North Texas and the Panhandle see severe hail and tornado activity, and West Texas contends with wildfire and extreme heat. A statewide operator with multiple Texas communities should underwrite each location against its own regional exposure rather than a single blended assumption, since anchoring standards, deductible structure, and business-income needs differ meaningfully between a coastal and an inland Texas property.
Who we write this for in Texas
Manufactured home FAQs for Texas
General guidance, not legal advice. Texas requirements change and apply differently by entity type, class code and contract. Confirm current rules with the Texas Department of Insurance or talk with a licensed Provident agent.
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