How is a motor home that is permanently attached to a foundation treated under NFIP regulations?

A motor home that is permanently attached to a foundation is treated the same as a manufactured home under NFIP (National Flood Insurance Program) regulations. This classification is significant because both types of structures share similar characteristics regarding construction, occupancy, and the risks they face related to flooding.

When a motor home is permanently affixed to a foundation, it loses its mobile nature and is considered part of the real estate. This treatment aligns it with manufactured homes, which are designed to be in one location and typically have similar risks and requirements for floodplain management. Consequently, they are subject to the same NFIP guidelines that govern manufactured homes, including considerations for proper elevation and floodproofing measures.

In contrast, other classifications — such as treating it like a conventional home or as a temporary structure — do not accurately represent the operational and regulatory implications of having a motor home set on a permanent foundation. This understanding helps ensure that owners are aware of the necessary compliance aspects for safety and insurance purposes.