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Revising the Definition of “Manufactured Home” to Lower Housing Costs

Friday, June 12, 2026

Plain English Summary

The Department of Housing and Urban Development (HUD) is changing the definition of 'manufactured home.' This change will allow parts of manufactured homes that are designed for upper floors to be built without needing a permanent base. This aims to help lower housing costs. Insurance agents should stay informed about this change as it may affect coverage options for manufactured homes.
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This proposed rule would amend the definition of "manufactured home" in HUD's Manufactured Home Construction and Safety Standards (MHCSS), Model Manufactured Home Installation Standards (MMHIS), and Manufactured Home Installation Program (MHIP) to provide that a transportable section of a manufactured home serving as part of an upper floor of a manufactured home would not need to be transported or built on a permanent chassis.