Not an expert on this but we did look into it when considering a Manufactured home. It depends on the year built as the building code changed while the historic district was being built. The homes built during the first few years are very hard to insure as the hurricane code in place during construction is now outdated. Insurability is also subject to the quality of the hurricane tie-down strap system attached to the home. We were told that many residents with older homes, with outdated tie- down systems, opt to only carry renters insurance, which insures the contents of the home, but not the home itself. The thinking is that the value of the property is mostly in the land, not the home. And since homeowners is so expensive relative to the replacement value of the manufactured home, it makes sense to only carry renters insurance. Again, I am not an expert on this, that's just what we learned when considering buying a manufactured home.
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