If accurate, this would be great. Older manufactured homes must be banned from areas where hurricanes have become a way of life.
"The Great Mobile Homes of Florida?"
They say Florida homes are unaffordable, so people chose manufactured housing.
Many of those that chose manufactured housing or a mobile home, still have a home in another state. If they were to sell that home, they'd have enough money to buy a home in Florida.
Actually Florida housing, in comparison to other states that present a similar draw (i.e. weather, beaches, not to mention no income tax), is quite affordable, IMHO.
Whenever I hear someone mention they are planning to purchase a mobile home, I advise against it. Besides the disadvantages during a hurricane or tornado, they decrease in value just as automobiles do. For a financed MH, rarely can one be found that is worth more than the bank's pay-off. Conventially built homes can easily be found between the $75 and 100,000 range. They will appreciate, can be sold for a profit, and the home buyer can move up into a more expensive home.
No, let the insurance and mortgage companies assess the risk and charge accordingly. If you want to live in an older manufactured home then you pay the price in either higher rates or take the risk of no insurance. Your choice.
http://www.domeofahome.com/
http://www.domeofahome.com/ivan.asp
http://www.monolithic.com/gallery/homes/eye/
http://www.monolithic.com/
Found this technology right here on FR. Probably as close to perfect for beachfront property.
Apparently it's never occurred to this guy that if you can't afford it, you can't have it. Who the heck is supposed to pay for expensive upgrades to hundreds of thousands of homes?
I think those who choose high risk housing should bear the risk. Nobody is "forced" to live beside a beach in Florida.
Why must my insurance and taxes go thru the roof when I live in Tennessee on high ground?
This is probably the main problem for the Florida housing. Since I'm a mortgage lender I'll write from a professional viewpoint.
The manufactured home industry in the Southern states suffers from a stigma of older, inferior homes and the shady business practices of those who sold them.
The new manufactured homes are a great value. When placed on a permanent foundation, they are titled as real estate --not chattel property (like a car)and are appreciating in value.
They are a great buy for retirees. I write about one mortgage a month for manufactured and the demand is only growing.
Perceptions of this product are changing favorably with the buying public and lenders.
Just read another brilliant column by Thomas Sowell on this topic and it prompts me to repost a piece I did back in 1992.
When are the US taxpayers going to tire of bailing out these folks who continue to build in places where they ought not build?
Continuing to do the same things over and over expecting a DIFFERENT result is the definition of INSANITY!
Are we insane??
WHAT GEORGE SHOULD HAVE SAID
by Dick Bachert (1992)
richard.bachert@comcast.net
On the evening of September 1st, 1992, President George Bush went on national TV to announce that the already empty federal coffers would pour forth uncounted billions of dollars to totally rebuild the Florida and Louisiana communities destroyed by Hurricane Andrew. A vast majority of Americans seem to agree with this action, providing yet more evidence (as if more were needed) that we have come very, very far from the philosophy of self-reliance articulated by one Colonel Davey Crockett. (See "Not Yours to Give" available from FEE)
Instead of attempting to purchase his reelection with plundered resources, this is what George Bush should have said.
"My fellow Americans:
As you all know, a devastating hurricane has struck the southern tip of Florida and Louisiana. Our hearts and prayers go out to all who have lost so much. There is now a great cry for the federal government to "do something". And
we shall. I have dispatched otherwise idle military resources -- men and women involved in our national defense who will profit from what will amount to a real-life field exercise -- to the area to render whatever aid the local authorities deem appropriate to restore basic communications and public safety infrastructure. But, beyond that, we can do little else. Before you brand me a heartless monster, allow me to explain:
"The area involved has been regularly struck by many such storms since long before we have inhabited this continent. There is reason to believe that this pattern will continue. All who have vacationed or visited there will agree that it is a beautiful area and by driving a short distance, residents there can avail themselves of the ocean waters and sandy beaches of that coastal setting. I, too, understand the attraction. That's why I spend as much time as possible
in Kennebunkport. That's the upside of living in such an area.
"The downside is that the area is regularly struck by these terrible storms. Which is why responsible and intelligent residents of the area insure their property against the inevitable resultant damage.
"That the largest private insurers have determined that certain of these areas are so likely to be struck by storms such as Andrew as to make them "actuarially unsound" risks is a matter for the insurers and the property owners. Government will only, through the lawfully established court system, do its best to see to it that any contracts between these private parties are honored.
"If a prospective property owner is unable to secure private insurance against these calamitous eventualities, he or she had better reevaluate his or her position. If a prospective owner cannot bear the financial loss which would flow from the destruction of an uninsured home in one of these high risk areas, he or she is well advised to purchase in an area where such insurance is available. It is not, nor can it ever be, the government's place to levy a compulsory tax on citizens who do not live in these high risk beach areas to subsidize the folly of those who choose to do so! It would be criminal to force citizens who themselves already pay hundreds of dollars each year to protect their homes from
normal hazards such as fire and the occasional tornado to also pay for the beach front lifestyle of others! To increase their taxes so that some of their less responsible fellows may enjoy the benefits of living in these normally
beautiful -- but statistically periodically dangerous -- surroundings is unconscionable.
"As much as our hearts go out to those who have lost so much, I must remind them that just as it has happened in the past, it will happen again. If you chose to remain there, you do so at your peril. This is an election year and the temptation is great for me to obligate the already strapped taxpayers of the entire nation to pay for the rebuilding of these damaged areas.
"Though it may cost me another term as President, I must, because of the dangerous precedent it would set, resist it. To do otherwise would be the grossest unfairness to, say, a citizen in Kansas whose roof might be blown off during a tornado. Would that citizen not have the right to ask the federal government to do the same for him? Multiply that by the numbers of isolated, individual-but equally calamitous disasters each year and you will come to see that the treasury of even the richest nation on earth (which, thanks to decades of such nonsense, we no longer are) would soon collapse under the load.
"On a technical level, I would also remind you that expert analysis of the destruction of these homes quickly disclosed that it was government and the building codes -- rather the false security of their enforcement -- which led to the loss of nearly 85,000 dwellings. You who now look to government to solve your problem ought to consider that it was the failure of the government mandated building code enforcement that reduced your home to a pile of rubble. Your reliance upon government enforcement of these codes and their assiduous observance has proven to be an error.
"In that connection, I would point out that engineers who surveyed the damage discovered a number of structures which survived. It was found that these buildings had been built under an older, ostensibly less stringent code and/or were constructed using a number of proven, but more costly, techniques designed to improve survival.
"If you do plan to rebuild in one of these uninsurable sections, please, in order to minimize the destruction the next time another killer storm comes ashore, employ these construction techniques.
"Let me now turn to what we must now do to help those in such desperate need at this moment.
"I submit that we should continue and intensify what we've been doing thus far: The volunteer activities many of you have undertaken as individuals, small businesses and large corporations are doing exactly what I envisioned when I
launched my "Thousand Points of Light" campaign. What we need now are millions of such points. And, if the response continues to swell as in the past few days, we'll get there.
"Let me also remind you that the first folks into the area with meaningful relief were not government people. As we have seen, these huge bureaucracies possess equally huge levels of static inertia. They lack the flexibility and
sensitivity to function efficiently. People helping people is the highest embodiment of the faith our forefathers brought to these shores over 300 years ago.
"America and -- and, I fervently believe, still is – a nation of people who understand this basic concept. It is time we remembered that government's role is to only do for citizens those few constitutionally limited things we cannot
individually do for ourselves. I'd remind you what George Washington said about government: "Government is not reason. It is not eloquence. It is force! And like fire, it is a dangerous servant and a fearful master."
"It is also time for us all to remember that we must take individual responsibility for ourselves. We must remember, for example, that we cannot construct our homes in places where the forces of nature periodically rage against us without adequate preparation for those periodic rampages.
"To be more specific, if we must build in those areas, we must take personal responsibility for the soundness of construction and/or insure against the certain eventuality that these natural assaults will occur. The days when
individuals can look to a government to force the rest of us to underwrite the folly of the few are gone! I urge those of you now digging out from the destruction in Florida and Louisiana to remember that as you consider your future. I pledge that if you grant me another term in office, I shall devote my next 4 years to bringing government back under the United States Constitution in order to ensure that it does only those few things we cannot do for ourselves and does them as efficiently and effectively as possible.
"Let me again urge us to continue the enormous volunteer efforts we have already begun until this tragedy is behind us.
"Thank you and good night!"
Now most of the people who retire in Florida
are wrinkled and they lean on a crutch.
And mobile homes are smotherin' my keys;
Well I hate those b@$tards so much.
I wish a summer squall would blow them
all the way up to fantasy land.
They're ugly and square, they don't belong here.
They look a lot better as beer cans.
Unfortunately people moving from the north to Florida didn't have a clue how absolutely deadly hurricanes can be and manufactured homes.
Just what do you have in mind for the 600,000 older ones already in Florida, and the God only knows how many in Texas?
Since new ones are safe, I don't see that anything needs doing, but waiting till the old ones are atritted. The same goes for older conventional houses that aren't strong enough to withstand a hurricaine.
So9
It should spark debate on enacting a state tax so those of us not living in paradise don't have to pay for it through Federal funds.
Flame away.