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Protecting Your Manufactured Home in Wichita Falls TX.

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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can't guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Wichita Falls, TX: Costs, Coverage, and Considerations

Welcome to Wichita Falls, Texas -a mosaic of pioneer spirit, natural splendor, and modern flourish!

Sitting near the Texas-Oklahoma border, Wichita Falls beckons with a charm that's both rugged and refined, rooted in pioneering tales and painted with strokes of modernity. With the cascading waters of its namesake falls as its centerpiece, Wichita Falls stands as a testament to Texan determination, innovation, and community spirit.

The narrative of Wichita Falls springs from the Wichita Indians, the original inhabitants of the region. Yet, the town's true momentum began in the late 19th century, propelled by railroads and the promise of new frontiers. Though its namesake waterfalls were diminished over the years, human ingenuity recreated them, leading to the modern man-made falls by the river—a symbol of the city's resilience and creativity.

A pivotal chapter in Wichita Falls' story is its oil boom of the early 20th century. The discovery of "black gold" transformed this frontier town into a bustling epicenter of industry and opportunity, an era captured evocatively at the Museum of North Texas History. Here, visitors can traverse timelines, from Native American legacies to the roaring oil days and beyond. One of the city's architectural jewels is the Newby-McMahon Building, often referred to as the "world's littlest skyscraper". Constructed during the oil boom days, its curious history and petite stature serve as quirky reminders of a time when ambition often outpaced practicality.

Nature, however, has always been Wichita Falls' most generous artist. The city is adorned with numerous parks and green spaces, the crown jewel being Lucy Park. Nestled along the Wichita River, this park offers serene landscapes, hiking trails, and, of course, a view of the recreated Wichita Falls, giving both locals and visitors a space to reflect and rejuvenate.

For those with a penchant for the arts, Wichita Falls doesn't disappoint. The Kemp Center for the Arts stands as a beacon for artistic expression, hosting exhibitions, performances, and workshops. Meanwhile, the Wichita Theatre offers a dose of nostalgia alongside its vibrant theatrical productions, echoing the golden age of cinema and stage.

Community spirit thrives in Wichita Falls, with events like the Hotter'N Hell Hundred drawing cyclists from all over. This grueling and celebrated race not only challenges athletic prowess but also strengthens the bonds of community, as residents and visitors alike rally to cheer, support, and endure.

On the culinary canvas, Wichita Falls serves a delightful array of flavors. Whether it's the comforting embrace of traditional Texan barbecue or the spicy allure of Tex-Mex, the city's eateries echo its diverse heritage and innovative spirit. In the grand narrative of Texas, Wichita Falls emerges as both a guardian of history and a pioneer of new tales. It's a city where waterfalls are reborn, where oil tales glisten, and where community spirit shines even under the fiercest Texan sun. For those yearning for a blend of history, nature, and the indomitable Texan spirit, Wichita Falls awaits with stories to share and memories to craft.

Understanding Mobile home Insurance in Texas.

Do I Need Mobile Home Insurance in Texas?

Texas Mobile Home Insurance Costs Explained

Mobile home insurance is essential for safeguarding your most valuable asset. Prices in Texas typically range from $250 to $1,300 annually, influenced by various factors. Deciding between actual cash value and replacement cost coverage will also impact both premiums and compensation amounts in case of a claim.

Insurance rates are influenced by:

* e.g. A five-year-old home bought for $50,000 but now worth $35,000 will be compensated at $35,000.
** Typically has higher premiums but offers more compensation during a claim.

Unique Considerations for Texas Mobile Home Insurance!

Mobile Home Insurance Coverage in Texas:

Filing a Mobile Home Insurance Claim in Texas:

Tips for Purchasing Mobile Home Insurance in Texas:

Remember, while insurance might seem optional, it provides invaluable peace of mind against potential financial setbacks.

Choosing the Ideal Texas Homeowners Insurance Policy:

The apt insurance policy largely hinges on your home type, repair or rebuilding costs, and the worth of your belongings. It's often a smart move to opt for the most robust protection within your budget. This is especially true if you haven't set aside a significant emergency fund. Though a comprehensive policy with a lower deductible might require higher premiums, it ensures quick recovery after a substantial loss.

As your savings grow, you might consider increasing your deductible to decrease your premium. But here's a pro tip: sometimes, a $1,000 deductible isn't much pricier than a $5,000 one. In such instances, the minimal extra expense can prove invaluable in the event of a large claim.

The location of your mobile home, particularly the zip code in Texas, is a significant factor.

Did You Know ?

Mobile homes in Texas are subject to the Mobile Home Commission Act!

You Need: The HO-7: Texas Mobile Home Form

What Does an HO-7 Policy Cover?

Type of Homes: Mobile or manufactured homes (trailers, single/double-wide mobile homes, RVs, modular homes, etc.).

Open perils, covering almost everything unless specifically excluded.
Named perils, only covers for specific causes of loss listed on the policy.
Coverage is based on replacement cost, not the market rate.
Coverage for named perils only. Examples of named perils: lightning, hail, fire, theft, vandalism, explosions, water damage from plumbing, etc.
Sub-limits for certain valuables (e.g., jewelry, firearms, electronics). Jewelry: $1,500 (theft-only) Firearms: $2,500 Electronics: Varies
Protection against bodily injuries or property damage you’re found liable for.
Covers expenses if the mobile home becomes uninhabitable.
Covers medical expenses for injuries in the mobile home (surgery, ambulance fees, X-rays, etc.).

What Does an HO-7 Policy NOT Cover?

Personal property damage that doesn't fit the named perils.

Exclusions include:

Understand The HO-3: Texas Special Form

The HO-3 policy is the predominant homeowners insurance in Texas. It offers open-peril coverage for homes and related structures, covering all damages unless specifically excluded.

Exclusions typically include:

Personal property, however, is only covered for specified risks.

Additional Insurance Policy Options:

Even if you’ve chosen the HO-7 or another base form for your policy, you might still want to contemplate additional coverage for specific scenarios. Here are some prevalent options:

This is a basic policy, covering only named perils. It offers actual cash value instead of replacement cost coverage. Designed mainly for vacant properties or standalone structures, all occupancy types can avail of this policy. However, for liability or personal property coverage, you’ll have to incorporate these features.
Also termed a landlord’s policy, the DP-3 is tailored for rental properties. It covers the property’s structure, provides liability coverage for accidents, and even ensures your rental income in case your tenants need to vacate due to a covered loss.
An essential policy if someone incurs severe injuries on your property with damages soaring above $1 million. This policy offers extra liability coverage exceeding the limits of a standard homeowner’s insurance policy. You would need a substantial underlying coverage to qualify.
For those treasured high-value possessions, like jewelry or electronics, a scheduled coverage is necessary. This is because typical personal property coverage under your dwelling policy has limits on payout for such items.
This coverage is your safeguard against costly damages arising from sump pump failures or sewer backups. Without this endorsement, such water damages won’t be covered.
Fires, floods, and other disasters can strike at any time, and these events usually occur when you least expect them. Unless you have the funds to make the needed repairs, you could be stuck without a home. Starting from scratch can be almost impossible. Insurance is a life-saving necessity for you and your family.

Even though you don't want to think about possible disasters, it's vital for everyone to understand their possible risks so that they can prepare for the unthinkable. With an effective insurance plan, you can live worry-free of losing your items or home.

Choosing the Right Mobile Home Insurance for Wichita Falls TX.

Weather Risks:

Severe Thunderstorms

Understanding Severe Thunderstorms: Wichita Falls is at risk for severe thunderstorms primarily from March to June.

A Severe Thunderstorm, as classified by the NWS, can produce high-speed winds and large hail.

Such thunderstorms have the potential to produce tornadoes.

Watch vs. Warning: Severe Thunderstorm Watch: This is an alert about potential severe thunderstorms in a large area. Severe Thunderstorm Warning: This is a critical alert about imminent severe weather in a more localized area.

Actions Before a Severe Thunderstorm: Stay updated with the weather forecast and sign up for emergency alerts like WichitaFalls CodeRED. Have an emergency plan and kit in place. Regularly practice your emergency plan, including finding safe spots in your building.


Understanding Tornadoes: Tornadoes are violent columns of air that can cause significant damage. They can strike any time of the year and can affect all states.

Tornado Watch vs. Warning: Tornado Watch: Indicates that tornadoes are possible in the watch area.

Tornado Warning: Indicates that a tornado has been sighted or detected and poses imminent danger.

Actions Before a Tornado: Regularly check forecasts and stay informed about tornado watches and warnings.

Have an emergency communication plan and safe room ready.

Reinforce your safe room if possible and assist neighbors in preparation.


Understanding Flooding: Flooding can threaten parts of the U.S. almost daily.

Knowing what to do during a flood can save lives and property.

Flood Watch vs. Warning: Flood Warning: Indicates imminent or ongoing flooding.

Flood Advisory: Alerts about potential minor flooding or nuisances.

Actions Before, During, and After a Flood: Stay informed about flood risks and sign up for emergency alerts. Know the flood risks in your area and prepare an emergency kit. Take precautions to protect your home from potential flood damage, such as using sandbags and ensuring good plumbing. Avoid floodwaters and follow safety guidelines. After a flood, be cautious of hazards, ensure the safety of drinking water, and assess any damage to property.

Each of these subsections covers the key aspects of the particular weather risk, its warnings, and suggested actions to take. Remember, always prioritize your safety and that of your community during severe weather events.

Recommended Neighborhoods in Wichita Falls, TX.

Property Crime Rates in Wichita Falls, TX.

With its rich Texan heritage and picturesque landscapes, Wichita Falls unfortunately also stands in the spotlight due to its concerning crime rates.
Sporting a crime rate of 37 per 1,000 residents, the city's statistics are daunting, especially when focusing on property crimes. A resident of Wichita Falls has a 1 in 32 chance of becoming a victim of property crime This equates to a rate of 32 per 1,000 population – figures that notably surpass many other communities of its size.

To better understand the property crime scene in Wichita Falls, let's unpack its various components:


As an invasive crime, burglary not only causes material losses but also shatters the peace of mind of residents. Given its prevalence in Wichita Falls, homeowners and renters are advised to employ enhanced security measures such as surveillance cameras, advanced locking mechanisms, and neighborhood watch initiatives.


Theft offenses that involve sums above $50 fall into the category of larceny. Such thefts can range from the taking of unattended items in public spaces to more organized forms of theft. Vigilance and ensuring belongings are safeguarded can significantly mitigate the risk of larceny.

Motor Vehicle Theft:

Wichita Falls presents a particularly challenging landscape for vehicle owners, given its alarmingly high rates of motor vehicle theft. In fact, the odds of having your car stolen in Wichita Falls are a staggering 1 in 261. Car owners are strongly encouraged to utilize anti-theft devices, never leave valuables inside the vehicle, and consider secure parking options.


Although the data doesn't specify the frequency of arson incidents, the fact that they're accounted for signifies its occurrence. Arson can lead to catastrophic losses both materially and emotionally. To deter potential arsonists, well-lit surroundings and surveillance can be deterrents.

The high incidence of property crime in Wichita Falls underscores the need for a multifaceted approach. This involves not only vigilance and precautionary measures on the part of the residents but also community engagement in crime prevention initiatives.

Choice of 6 insurance coverage in Wichita Falls, TX.

Enhanced Roof Replacement:

What it is: Offers extra funds to replace roofs with eco-friendly materials.

Why it's needed: Promotes sustainability and ensures an eco-friendly roof replacement option.

Animal Liability:

What it is: Covers liabilities if a pet injures someone or causes property damage.

Why it's needed: Pets, while beloved, can sometimes cause harm, making owners financially liable.

Personal Property Replacement Cost:

What it is: Covers the cost of replacing personal belongings at current market prices without considering depreciation.

Why it's needed: Assures homeowners can replace items without worrying about their depreciated value.

Accidental Damage:

What it is: Coverage for unintentional direct physical losses not specifically excluded or limited.

Why it's needed: Accidents happen, and this ensures unexpected damages are covered.

Scheduled Personal Property Coverage:

What it is: Increases the coverage amount for specific, valuable personal property items.

Why it's needed: Standard policies might not fully cover high-value items. This customization ensures adequate coverage.

Extended Replacement Cost Coverage:

What it is: Boosts the limits of dwelling coverage, ensuring homes are rebuilt using similar materials.

Why it's needed: Protects against escalating building costs, ensuring homes are fully restored.

Did You Know ?

Individuals living in manufactured home communities, who typically buy their manufactured home and rent the lot, are subject to different laws. However, if you live in a mobile home outside these communities, you're governed by the same laws as house or apartment renters, primarily found in Chapter 92 of the Texas Property Statutes.

Mobile Home Facts : Texas

Treatment of Manufactured Home as Real Property:

According to the Texas Underwriting Manual TX: 12.24:

Learn about the TMHA!

The Texas Manufactured Housing Association's core mission is to champion the broader objectives and concerns of the manufactured housing sector across Texas.

Consisting of devoted professionals, TMHA actively advocates for their members and the broader Texas manufactured housing community, especially through dedicated representation in the Texas Legislature. Being a member-driven association, their main emphasis is on equipping their extensive network of over 1,400 members with vital resources and insights to thrive in their businesses.

If you're part of the manufactured housing sector and haven't yet joined TMHA, we highly recommend you do so immediately!

Learn about Texas Homeowner Assistance: Two Vital Programs!

Texas residents who are struggling with home-related expenses have two vital assistance programs available: the Texas Homeowner Assistance Program due to the COVID-19 pandemic and the Homeowner Assistance Program (HAP) following Hurricane Harvey.

Treatment of Manufactured Home as Real Property:

Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.

Services Offered: Financial support for affected homeowners.

Homeowner Assistance Program (HAP):

Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.

Services Offered: Home repairs and rehabilitation I Home reconstruction I Enhancements for better resilience against natural disasters I Elevating homes above flood levels along with reconstruction aid I Temporary relocation aid

Residents are encouraged to assess their eligibility and take advantage of these programs to secure and improve their homes.

Texas Coastal Property Insurance Pool Programs!

The Texas Coastal Insurance Pool (TCIP), formerly known as the Texas Windstorm Insurance Association (TWIA), is a vital insurance entity designed to protect homeowners in the Texas coastal regions. Established in the face of limited private insurance options, the TCIP provides wind and hail coverage to properties located in certain parts of Texas's seacoast territory.

Key Features:

Primarily, the TCIP offers windstorm and hail damage insurance for homeowners who might not find coverage in the private market due to the heightened risk associated with coastal regions.
Residential and commercial properties in the 14 coastal counties and certain parts of Harris County (east of Highway 146) are eligible. However, to qualify, properties must comply with the windstorm building code for the region.
While the TCIP operates similarly to a typical insurance company, it is different in its financial structure. In the case of significant catastrophic losses, the association has the ability to recoup losses through premium surcharges or bonds, ensuring continuity of coverage for its policyholders.
With the growing threat of hurricanes and tropical storms in the Texas coastal regions, the TCIP plays a pivotal role in ensuring that homeowners can obtain the necessary insurance protection against these natural disasters.


Inland of the Intracoastal Canal $2.50 per $100 coverage 42 Effective October 1, 2008 Seaward of the Intracoastal Canal $5.00 per $100 coverage

Eligibility for TWIA:

A mobile home located in a designated catastrophe area that meets the following criteria is eligible to be insured under the T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy.

The mobile home complies with the definition of manufactured home under the rules and regulations of the Texas Department of Housing and Community Affairs (TDHCA).
The mobile home is occupied solely as a one or two family residence.
The mobile home is blocked and tied down in accordance with the current state generic standards promulgated by the TDHCA or with the manufacturer’s installation instructions.

The mobile home has been inspected, and an inspection approval form has been completed and issued verifying that the home is blocked and tied down in accordance with the required standards with no violations of these standards. The form may be on file with the TDHCA. If a form is not on file with the TDHCA or the form is over five years old, a new inspection approval form that indicates no violations of the blocking and tie down requirements must be obtained through an installer licensed by the TDHCA. 41 Effective October 1, 2008

Homes manufactured on and after September 1, 1997, must be designated by the manufacturer as Zone II homes to be insurable through the Association.

Additions to Mobile Homes:

Limit of Liability:

The maximum limit of liability for a mobile home, including any site-built additions attached to the home, and household goods is $84,000.


Policy Forms & Endorsements:

The following policy form is to be used: T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy

Important Endorsements in Texas:

What it is: Provides coverage that a manufactured housing unit has been affixed to the land, has been converted to real property and that there are no personal property taxes or personal property liens attached to the MHU.

Why it’s needed: This endorsement is issued in conjunction with a T-2 Loan Policy to insure a manufactured housing unit located on the land. Manufactured housing includes mobile homes and other manufactured housing permanently attached to the land as a fixture.

What it is: An addition or modification to a standard insurance policy that provides coverage for damages caused by sinkholes. A sinkhole is a depression or hole in the ground caused by the collapse of a surface layer, often due to the dissolution of limestone or other soluble rocks below the surface. When it occurs under a property, it can cause significant damage or total loss of the structure.

Why it's needed: Not all standard homeowners' insurance policies cover damage caused by sinkholes. In areas prone to sinkhole activity, this endorsement is crucial. A sinkhole can render a home uninhabitable, and without this coverage, homeowners could face substantial financial losses. By adding this endorsement, homeowners are protecting their investment and ensuring they won't be left without resources to repair or rebuild in the event of a sinkhole disaster.

Sudden and Accidental Discharge, Eruption, Overflow or Release of Water or Steam:

What it is: This endorsement provides coverage for damage caused by the unexpected and unintentional release of water or steam from plumbing, heating, air conditioning, or automatic fire protective systems within the mobile home.

Why it's needed: Mobile homes, like any other residential structure, are vulnerable to unforeseen internal water or steam damage, which can be costly to repair. Such incidents might include a burst pipe, malfunctioning water heater, or broken appliance hose. By adding this endorsement to their insurance policy, mobile homeowners can protect themselves financially from the damages and repair costs resulting from these sudden and unexpected events.

Additional Policy Riders for Mobile Home Insurance in Texas:

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

Provides protection against flood-related damages, excluding waterline or sewer backups. Average annual cost: $700.
The mobile home is occupied solely as a one or two family residence.

defends against damages when drains, pipes, or sewers back up, but not from floods.  Annual cost range: $50-$250.

helps homeowners meet current building codes during repairs or reconstruction, ensuring updates to older homes meet modern standards. Costs: Anywhere between 10% to 25% of dwelling coverage.
offers specialized coverage for high-value items like jewelry or art.
is for home-based businesses, ensuring business property stored at home is covered. Costs vary based on asset value.

aids in managing identity theft-related expenses, from legal fees to credit monitoring. Annual cost range: $20-$60.

Adding any rider will increase your premiums, influenced by location, risk profile, chosen coverage, and deductible. Riders can be added during initial policy purchase, at renewal, or anytime during the policy period. Some carriers might not offer all endorsements, so shopping around might be necessary.

Finding A Manufactured Home or Mobile Home Community In Wichita Falls, TX

If you're in the market for a mobile or manufactured home in Wichita Falls, it's important to have access to reliable and trustworthy information.
We have compiled valuable information about the best local manufactured home dealers and communities in Wichita Falls.

Dry Creek

Address: 2812 City View Drive, Wichita Falls, TX 76306
Contact: 940-855-1786
Managed by Vineyards Management Group
Specializes in building communities that offer perks of a perfect home without compromise

Plum Creek

Address: 31-A Springlake Dr, Wichita Falls, TX 76301
Contact: 940-766-3211
Managed by Vineyards Management Group
Guidelines for maximum occupancy and exterior alterations

Wichita Falls RV Park

Located at 2944 Seymour Hwy., Wichita Falls, TX 76301
Offers over 60 overnight sites including pull-thrus and back ins Provides amenities such as swimming pool, pond with picnic area, laundry room, and dog area
Payment types accepted: Debit, Discover, Visa, Master Card, Checks, and Cash
Current Basic Rates: $50 for Back-In, $60 for Pull Thru


Address: 154 Evergreen Dr, Wichita Falls, TX 76306
Contact: 940-851-9779
All-ages community with 65 home sites
Offers home site lot rent ranging from $450 - $750 per month including trash pickup, water, and sewer Managed on-site by Vineyards Management Group

Sunnyvale Estates MHC

Address: 3900 Lenore Dr., Wichita Falls, TX 76306
Contact: (940) 855-8250
Offers amenities including a pool, clubhouse, and local parks
All-ages community with 250 home sites

Nunn Manufactured Homes

Address: 1144 Sheppard Access Rd, Wichita Falls, TX 76306
Offers affordable manufactured homes with delivery, setup, A/C unit, skirting, appliances, and steps included
Serving Texoma for over 30 years
Contact: (940) 767-6000

These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Wichita Falls, TX. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

Finding the Best Mobile Home Insurance in Wichita Falls, TX

It's essential to compare quotes from various insurance providers and work with local agencies that understand Wichita Falls's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!