Wind zone
HUD’s rating of the wind load a home was designed for. Zone I is designed for 70 mph, Zone II for 100 mph and Zone III for 110 mph, the strongest coastal rating.
HUD divides the country into three wind zones that set how much wind a manufactured home must be engineered to withstand. Zone I, covering most inland areas, is designed for 70 mph winds. Zone II is designed for 100 mph and covers areas near the coast that see stronger storms. Zone III, designed for 110 mph, applies to the highest-risk stretches of the Gulf and Atlantic coasts.
The zone your home was built for is printed on its data plate. It matters because a home built for a lower zone than the one it sits in can be surcharged or declined by insurers. Homes built before mid-1994 predate the zone system and were built to a single lower national standard.
Wind zone also affects how the home must be anchored. Zones II and III have stricter tie-down and foundation requirements, and carriers may ask whether the anchoring meets them.
Common questions
How do I find my home's wind zone?
It is listed on the data plate inside the home, usually in a kitchen cabinet or closet.
Does a higher wind zone mean a higher premium?
Not by itself. What matters is how the zone compares with where the home is located, along with its age, roof and tie-downs.
Related terms
More in Standards & documents
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