Something to consider--when or if you have identified a property that you are interested in, it is very easy to get a quote on insurability and insurance cost to a particular property. I always call an independent insurance agent (not one tied to a specific company) to get the best price--they can compare companies that are insuring in that area and actually send us or you a quote on an insurance policy on that specific property. I always do this prior to writing an offer, because my buyer then knows what sort of cost they are looking at, and I ask for the worst case scenario. The insurance company will ask about the type of construction, age of the home, style of roof (that DOES make a difference), square footage, etc. They can see on their own map flood information by looking up the address. Mobile homes are frequently not insurable, as they are the properties most likely to be destroyed in a storm, and therefore the risk is high for the company. You would probably be best to consider another type of property, or accept the risk involved in the mobile home. Please contact me if I can be of further assistance.