Pre-1976 mobile home owners can't get insurance at any reasonable price

An estimated 2-3 million Americans live in manufactured homes built before June 15, 1976, the date the HUD Code established national construction standards. These pre-HUD homes were built to no uniform safety standard — inadequate electrical wiring, no wind resistance requirements, minimal fire protection. Most insurance companies flatly refuse to cover them. The few that will charge premiums 2-4x higher than post-1976 homes, with restricted coverage that often excludes wind and water damage — the two most common claims. Without insurance, these homeowners cannot get any form of financing to replace or upgrade their home. Without financing, they're stuck in a structurally deficient unit. Many are retirees on fixed incomes who bought these homes decades ago and have no savings for replacement. The structural reason this persists is that the homes have negative economic value — they cost more to demolish and remove ($3,000-$10,000) than they're worth on the resale market, so owners have no exit. They can't insure it, can't finance a replacement, can't sell it, and can't afford to demolish it. They're locked into housing that fails modern safety standards with no viable path out.