Mobile Home Storm Damage Repair Cost Calculator

Step 1: Enter the Mobile Home Square Footage

Enter the total interior square footage of the mobile or manufactured home. Common examples include:

• 700 square feet
• 900 square feet
• 1,100 square feet
• 1,400 square feet
• 1,800 square feet
• 2,200 square feet

The calculator uses the total home size to estimate the scale of inspection, drying, cleanup, and potential interior repairs. Square footage does not mean the entire home must be repaired. Detailed roof, siding, flooring, and interior repair areas should be entered separately when known.

Single-Wide Mobile Home

Single-wide homes generally require fewer total materials than double-wide homes, but localized roof, structural, plumbing, or electrical damage can still result in substantial repair costs.

Double-Wide Mobile Home

Double-wide homes may have more:

• Roof area
• Exterior wall area
• Windows
• Skirting
• Interior flooring
• Marriage-line connections
• Tie-down components

Storm movement or water intrusion near the marriage line can increase inspection and repair requirements.

Step 2: Select the Storm Type

Choose the event that caused the damage.

High-Wind or Monsoon Damage

Select this option when strong winds caused:

• Missing roofing
• Lifted membrane
• Loose metal panels
• Torn siding
• Damaged skirting
• Broken windows
• Fallen branches
• Awning or carport damage
• Displaced exterior equipment

Wind damage may affect components that appear intact from the ground. A professional inspection may be required to identify loosened fasteners, separated seams, or shifted attachments.

Hail Damage

Choose hail damage when the storm caused:

• Dented metal roofing
• Cracked shingles
• Damaged siding
• Broken skylights
• Damaged vents
• Window-screen damage
• HVAC condenser damage

Hail damage may be cosmetic, functional, or both. The calculator should distinguish between surface dents and damage that compromises weather protection.

Heavy Rain or Wind-Driven Rain

Select this option when water entered through:

• Roof openings
• Failed flashing
• Windows
• Doors
• Siding joints
• Utility penetrations
• Damaged vents

Rain damage may require both exterior repair and interior drying.

Flash-Flood or Standing-Water Damage

Choose flood damage when water entered from the ground or surrounded the home. Flood repairs may involve:

• Skirting removal
• Insulation removal
• Underbelly repair
• Subfloor drying
• Flooring replacement
• Electrical inspection
• HVAC inspection
• Mold remediation
• Foundation evaluation

Flood damage should not be treated as a simple cosmetic repair.

Falling Tree or Flying Debris

Select this option when a tree, branch, sign, roofing material, or other debris struck the home. Impact damage may affect:

• Roofing
• Roof framing
• Exterior walls
• Windows
• Doors
• Decks
• Carports
• Utility lines

Structural inspection may be necessary before repairs begin.

Dust Storm or Blowing-Debris Damage

Choose this option when wind-driven dust or debris damaged:

• HVAC equipment
• Roof coatings
• Exterior seals
• Windows
• Screens
• Vents
• Siding finishes

Dust alone may require cleaning, but debris impact can create hidden punctures or equipment damage.

Step 3: Select the Overall Damage Severity

Choose the level that best represents the observed damage.

Minor Damage

Select minor damage when:

• The home remains safe to occupy
• Damage is limited to small areas
• No structural movement is visible
• Utilities function normally
• Water intrusion is minimal
• Emergency stabilization is limited

The calculator uses the lowest severity factor.

Moderate Damage

Choose moderate damage when:

• Several exterior components are damaged
• Roof or siding repairs are needed
• Limited water entered the home
• Some interior finishes require replacement
• One or more windows are broken
• Temporary weatherproofing is required

The calculator applies a moderate labor and coordination factor.

Major Damage

Select major damage when:

• Large roof sections are damaged
• Water entered several rooms
• Siding or wall sheathing is exposed
• Electrical or HVAC systems may be affected
• Structural components require inspection
• The home may be temporarily uninhabitable

The calculator applies a higher cost multiplier and contingency.

Severe or Catastrophic Damage

Choose severe damage when:

• The home shifted from its supports
• The frame or walls are visibly deformed
• The roof structure partially collapsed
• Floodwater entered the living area
• Multiple systems are unsafe
• The home cannot be occupied
• A complete rehabilitation may be required

A calculator estimate is especially uncertain at this damage level. A structural, manufactured-home, insurance, and code evaluation should be completed before repair decisions are made. FEMA damage-assessment guidance distinguishes cosmetic or limited damage from major damage that affects habitability or structural safety.

Step 4: Enter the Damaged Roof Area

Enter the estimated roof area requiring repair in square feet. Use the affected area rather than the home’s floor area. Examples include:

• 50 square feet for a small puncture or lifted section
• 200 square feet for localized wind damage
• 600 square feet for a large partial replacement
• The full roof area for complete replacement

Minor Roof Patching

Select minor patching for:

• Small membrane punctures
• Limited shingle loss
• A few loose metal panels
• Minor flashing damage
• Small vent leaks

Arizona roof repairs commonly range from a few hundred dollars to several thousand dollars, depending on the material and severity. A 2026 Phoenix-area guide places many roof repairs between approximately $175 and $3,075, with an average around $1,834.

Partial Roof Replacement

Choose partial replacement when a defined section has failed but the remaining roofing can stay in service. Partial work may require:

• Material matching
• New underlayment
• Edge transitions
• Flashing
• Deck repairs
• Disposal

Complete Roof Replacement

Select complete replacement when the storm caused widespread failure. The calculator should use the full roof area, including overhangs and an appropriate material-waste factor.

Roof-Deck or Framing Damage

Turn on the structural roof repair option when the damage includes:

• Soft decking
• Broken rafters
• Damaged trusses
• Sagging
• Impact penetration
• Long-term water saturation

Structural rafter or truss repair can add thousands of dollars before the roofing system is replaced.

Step 5: Enter the Damaged Siding Area

Enter the exterior siding area requiring repair or replacement. The calculator may use these repair levels:

Small Siding Repair

Choose this option for:

• A few cracked vinyl panels
• Limited dents
• Small punctures
• Loose trim
• Minor corner damage

Partial Wall Replacement

Select partial replacement when one or more wall sections were damaged by hail, wind, debris, or water. The cost may include:

• Old siding removal
• Wall inspection
• House-wrap repair
• New siding
• Corner and opening trim
• Painting when required

Complete Siding Replacement

Choose full replacement when:

• Damage affects several elevations
• Matching materials are unavailable
• Siding has widespread hail or wind damage
• Wall preparation is required across the home

Siding repair costs vary significantly by material. National storm-repair estimates place smaller vinyl siding repairs around several hundred to a few thousand dollars, while fiber-cement and extensive replacement work can cost considerably more.

Step 6: Enter the Damaged Skirting Area

Enter the linear feet or square feet of damaged mobile home skirting. Storms commonly damage:

• Vinyl skirting
• Metal skirting
• Fiber-cement panels
• Masonry-style panels
• Vents
• Access doors
• Tracks and framing

Minor Skirting Repair

Choose minor repair for a few loose or missing panels.

Partial Skirting Replacement

Select partial replacement when one or more sides are damaged.

Complete Skirting Replacement

Choose complete replacement when the system has:

• Widespread panel loss
• Bent framing
• Flood contamination
• Extensive impact damage
• Inadequate remaining attachment

Include ventilation and access requirements in the replacement estimate.

Step 7: Enter the Number of Damaged Windows and Doors

Enter the number of damaged exterior openings.

Window Repair

Window repair may include:

• Glass replacement
• Screen replacement
• Frame repair
• Seal replacement
• Exterior trim
• Flashing
• Interior finish repair

Complete Window Replacement

Choose complete replacement when the frame is bent, cracked, leaking, or detached from the wall.

Exterior Door Repair

Door repair may include:

• New hinges
• Weatherstripping
• Lock replacement
• Frame adjustment
• Threshold repair

Complete Exterior Door Replacement

Select replacement when the door or frame is:

• Warped
• Split
• Impact-damaged
• Water-damaged
• Unable to close securely

The calculator should add a separate flashing and interior-trim allowance when the complete opening is replaced.

Step 8: Select the Water-Intrusion Level

Water damage can continue after the storm if drying and weatherproofing are delayed.

No Interior Water Intrusion

Choose this option when damage is limited to exterior surfaces.

Limited Water Intrusion

Select limited damage when:

• One small area became wet
• Water entered briefly
• Drying began quickly
• Insulation and subfloor remain mostly dry

Moderate Water Intrusion

Choose this option when:

• Several rooms became wet
• Ceiling materials are stained
• Flooring requires removal
• Insulation is damp
• Drying equipment is needed

Extensive Water or Flood Damage

Select extensive damage when:

• Water entered multiple rooms
• Floodwater contacted floors or walls
• Insulation is saturated
• Subfloor damage is visible
• Electrical components were exposed
• Mold evaluation may be needed

FEMA identifies damaged roofing, foundations, mold, HVAC systems, electrical wiring, wells, septic systems, and sewer backup among repairs that may affect whether a disaster-damaged home is safe to occupy.

Step 9: Enter the Interior Repair Area

Enter the square footage of damaged interior surfaces.

Ceiling Repair

Ceiling damage may require:

• Wet-material removal
• Insulation replacement
• New ceiling panels or drywall
• Texture
• Primer
• Paint

Wall Repair

Wall repairs may include:

• Panel removal
• Drywall replacement
• Insulation
• Trim
• Paint
• Electrical device removal and reinstallation

Flooring Replacement

Enter the damaged flooring area. The flooring calculation should use a 15% waste factor: Damaged floor area × 1.15 × installed flooring rate = flooring replacement cost

Subfloor Repair

Turn on the subfloor option when floors are:

• Soft
• Swollen
• Sagging
• Delaminated
• Contaminated
• Structurally weakened

Enter the actual damaged area when known.

Step 10: Add Emergency Tarping and Temporary Weatherproofing

Select whether emergency services were required before permanent repairs. Emergency work may include:

• Roof tarping
• Temporary membrane patching
• Window boarding
• Door securing
• Water extraction
• Temporary siding covering
• Removal of immediate hazards

Emergency work often costs more than planned construction because crews may respond outside normal hours, during hazardous conditions, or when regional demand is high. The calculator should provide options for:

• No emergency stabilization
• Basic temporary covering
• Moderate emergency response
• Extensive emergency stabilization

Temporary repairs should be documented with photographs and receipts when an insurance claim may be filed.

Step 11: Add Water Extraction and Structural Drying

Choose the drying level required.

No Drying Equipment

Select this option when no interior materials became wet.

Basic Water Extraction

Basic work may include:

• Standing-water removal
• Wet-vacuum service
• Limited air movement
• Moisture checks

Multi-Room Structural Drying

Choose this option for:

• Several wet rooms
• Air movers
• Dehumidifiers
• Daily moisture monitoring
• Limited material removal

Extensive Flood Drying

Select this option when the home requires:

• Large-scale extraction
• Underbelly access
• Insulation removal
• Contaminated-material disposal
• Subfloor drying
• Extended equipment use

Drying costs depend on the affected area, duration, contamination level, and accessibility.

Step 12: Add Mold Evaluation or Remediation

Select whether mold-related work may be required.

No Mold Concern

Choose this option when materials were dried promptly, and no visible growth or persistent odor is present.

Inspection or Testing Allowance

Select this option when the extent of moisture damage is uncertain.

Limited Remediation

Choose limited remediation for a contained affected area.

Extensive Remediation

Select extensive work when mold affects:

• Multiple rooms
• Wall cavities
• Underbelly insulation
• Subflooring
• HVAC ducts
• Large concealed areas

The standard calculator should treat mold remediation as a separate allowance because the final cost depends on testing, containment, removal methods, and clearance requirements.

Step 13: Select the Structural Damage Level

Structural damage can make a mobile home unsafe to enter or occupy.

No Visible Structural Damage

Choose this option when the home remains level, and no major deformation is visible.

Minor Framing Repair

Select minor repair for:

• Limited wall framing damage
• Small roof-framing repairs
• Localized sheathing damage
• Minor support corrections

Major Structural Repair

Choose major repair when the project includes:

• Broken roof framing
• Damaged exterior walls
• Significant floor framing damage
• Separation at the marriage line
• Damaged chassis connections

Home Shifted or Partially Displaced

Select this option when the home moved on its supports or anchoring system. The calculator may include only an initial inspection and stabilization allowance. Final costs require an on-site evaluation by qualified manufactured-home professionals.

Step 14: Add Foundation, Leveling, and Tie-Down Repairs

Storms and flooding can affect the support and anchoring system beneath the home.

No Support-System Damage

Choose this option when the home remains level, supports are stable, and tie-downs appear intact.

Tie-Down Inspection

Select an inspection allowance when:

• Anchors are exposed
• Straps appear loose
• Skirting has been removed
• The home experienced high winds
• Soil erosion occurred

Tie-Down or Anchor Replacement

Choose this option when straps, anchors, connections, or stabilizing devices require replacement.

Releveling and Support Repair

Select this option when the home has:

• Uneven floors
• Doors that no longer close
• Visible pier movement
• Erosion around supports
• Gaps at the marriage line

Major Foundation Reconstruction

Choose this option when storm or flood damage affected several supports or the home shifted significantly. Arizona’s Office of Manufactured Housing maintains safety standards for mobile and manufactured homes, installations, and related structures. State or local permitting and inspections may apply to installation, anchoring, foundation, and structural repairs.

Step 15: Add Electrical-System Repairs

Storm damage can create serious electrical hazards. Choose from:

• No electrical damage
• Inspection only
• Minor fixture or outlet repair
• Partial circuit repair
• Panel or service repair
• Extensive rewiring

Electrical damage may result from:

• Water intrusion
• Lightning
• Impact
• Damaged exterior service equipment
• Flooding
• Roof collapse
• HVAC failure

Do not energize wet or visibly damaged electrical equipment until it has been evaluated by a qualified or licensed professional.

Step 16: Add HVAC and Ductwork Repairs

Select the HVAC damage level.

HVAC Inspection Only

Choose this option when hail, debris, floodwater, or dust may have affected the system.

Minor HVAC Repair

Minor repairs may include:

• Bent condenser fins
• Thermostat replacement
• Electrical-component repair
• Small duct repairs
• Register replacement

Ductwork Repair

Choose this option when under-home ducts are:

• Torn
• Disconnected
• Flood-contaminated
• Crushed
• Wet
• Missing insulation

HVAC Equipment Replacement

Select replacement when the storm damaged the:

• Outdoor condenser
• Packaged unit
• Heat pump
• Furnace
• Air handler
• Mini-split equipment

HVAC and electrical repairs should be completed by qualified professionals.

Step 17: Add Awning, Carport, Porch, and Deck Damage

Accessory structures can transfer force into the mobile home during a storm. Select affected structures such as:

• Window awning
• Patio awning
• Attached carport
• Porch roof
• Deck
• Stairs
• Ramp

The calculator should distinguish between:

• Removal only
• Minor repair
• Partial rebuilding
• Complete replacement

An attached carport or awning can damage siding, fascia, roof edges, or wall framing when it is lifted or twisted by wind. Structural accessory repairs may require separate permits or engineering.

Step 18: Add Debris and Tree Removal

Choose the level of cleanup required.

Light Debris Removal

Select this option for loose siding, roofing pieces, branches, and small damaged materials.

Standard Construction Debris Removal

Choose this option when repairs generate:

• Roofing debris
• Siding
• Insulation
• Flooring
• Wall panels
• Skirting
• Broken glass

Fallen Tree or Large-Limb Removal

Select this option when professional tree removal or specialized equipment is needed.

Heavy or Hazardous Debris

Choose this option when debris includes:

• Large structural components
• Wet insulation
• Contaminated materials
• Sharp metal
• Unstable trees
• Electrical hazards

Tree removal close to power lines or unstable structures should be handled by qualified professionals.

Step 19: Select the Site-Access Difficulty

Easy Access

Choose easy access when contractors can reach all affected areas and stage materials near the home. No access adjustment is applied.

Limited Access

Select limited access when the property has:

• Narrow roads
• Close neighboring homes
• Fences
• Carports
• Decks
• Heavy debris
• Restricted parking

The calculator may add approximately 10% to affected labor categories.

Hillside or Difficult Terrain

Choose this option when the property is on a slope or requires extra equipment and material handling. Apply approximately a 15% hillside multiplier.

Remote Rural Location

Select remote access when contractors, inspectors, or materials must travel a substantial distance. The calculator may add approximately 10% to 20% for mobilization and delivery.

Step 20: Add Regional Storm-Demand Adjustment

Contractor availability may be limited after a widespread Arizona storm. Choose:

• Normal demand
• Elevated local demand
• Widespread storm demand

The calculator may apply:

• 0% under normal conditions
• 10% during elevated demand
• 15% to 25% after a widespread regional event

This adjustment should not be interpreted as approval of excessive or unlawful pricing. It represents possible changes in labor availability, scheduling, travel, material supply, and emergency mobilization.

Step 21: Add Permit and Inspection Costs

Permit requirements vary by the type of damage, repair scope, and jurisdiction. Permits or inspections may apply to:

• Structural repairs
• Roof replacement
• Foundation and anchoring work
• Electrical repairs
• Plumbing repairs
• HVAC replacement
• Exterior additions
• Reinstallation after displacement
• Major wall or floor reconstruction

Arizona’s manufactured-housing online services include permitting, licensing, inspections, and plan review. Choose:

• No permit allowance
• Basic repair permit
• Multiple-trade permit allowance
• Structural review and inspection allowance

The calculator cannot determine whether a particular repair legally requires a permit. Confirm requirements with the Arizona Department of Housing and the city, county, town, tribal authority, or local jurisdiction responsible for the property.

Step 22: Add an Insurance Deductible for Budget Planning

Enter the insurance deductible when the calculator includes an optional out-of-pocket estimate. The deductible should not be added to the repair cost itself. Use this formula: Covered repair amount − deductible = potential insurer payment before depreciation, limits, or exclusions The homeowner’s preliminary out-of-pocket amount may include:

• Deductible
• Excluded damage
• Depreciation not yet recovered
• Betterment or upgrade costs
• Repair costs above policy limits
• Temporary expenses not covered by the policy

Coverage varies by policy. Wind, hail, flood, water, tree, debris, and accessory-structure damage may be treated differently. Do not rely on the calculator to determine insurance coverage or claim value.

Step 23: Select the Project Contingency

Storm repairs have a high risk of hidden damage. Use:

• 10% for minor visible exterior damage
• 15% for moderate repairs
• 20% for major multi-system damage
• 25% to 35% for flood, structural, or catastrophic damage

A storm-repair contingency may cover:

• Hidden roof-deck damage
• Wet insulation
• Wall-cavity damage
• Subfloor deterioration
• Additional electrical repairs
• Mold
• Tie-down problems
• Structural movement
• Permit corrections
• Material matching problems
• Price changes during regional demand

Step 24: Calculate the Mobile Home Storm Damage Repair Cost

After entering the available information, select Calculate Cost. The calculator displays:

• Roof repair cost
• Siding repair cost
• Skirting repair cost
• Window and door cost
• Water extraction and drying
• Interior repair cost
• Flooring and subfloor repairs
• Mold allowance
• Structural repair allowance
• Foundation and tie-down work
• Electrical repair allowance
• HVAC and ductwork repairs
• Accessory-structure repairs
• Emergency stabilization
• Debris removal
• Access and storm-demand adjustments
• Permit allowance
• Contingency
• Estimated total repair cost
• Preliminary insurance-adjusted amount
• Likely project budget range

Example Mobile Home Storm Damage Repair Cost Calculation

Consider the following Arizona mobile home storm-repair project:

• Home size: 1,200 square feet
• Storm type: monsoon wind and rain
• Damage severity: moderate
• Roof repair area: 250 square feet
• Siding repair area: 200 square feet
• Skirting repair: 40 linear feet
• Broken windows: two
• Water-damaged interior area: 300 square feet
• Flooring replacement: 250 square feet
• Subfloor repair: 60 square feet
• Emergency roof tarp: required
• Structural drying: required
• Electrical inspection: required
• Tie-down inspection: required
• Debris removal: standard
• Site access: easy
• Storm demand: elevated
• Permit allowance: $600
• Contingency: 20%

Calculate the Roof Repair Cost

Assume roof repair costs $9 per square foot: 250 × $9 = $2,250 Add a flashing and roof-deck allowance: $2,250 + $750 = $3,000

Calculate the Siding Repair Cost

Assume siding repair costs $8 per square foot: 200 × $8 = $1,600

Calculate the Skirting Repair Cost

Assume skirting repair costs $35 per linear foot: 40 × $35 = $1,400

Calculate the Window Replacement Cost

Assume two windows cost $900 each installed: 2 × $900 = $1,800

Calculate the Interior Drywall and Ceiling Repair

Assume 300 square feet at $7 per square foot: 300 × $7 = $2,100

Calculate Flooring Replacement

Assume 250 square feet of flooring at $6 per square foot with 15% waste: 250 × 1.15 × $6 = $1,725

Calculate Subfloor Repair

Assume 60 square feet at $15 per square foot: 60 × $15 = $900

Add Emergency and Professional Services

Assume:

• Emergency roof tarp: $900
• Water extraction and drying: $2,500
• Electrical inspection: $350
• Tie-down inspection: $400
• Debris removal: $900

Total emergency and service costs: $900 + $2,500 + $350 + $400 + $900 = $5,050

Calculate the Base Subtotal

$3,000 + $1,600 + $1,400 + $1,800 + $2,100 + $1,725 + $900 + $5,050 = $17,575

Apply the Elevated Storm-Demand Adjustment

Assume a 10% adjustment: $17,575 × 10% = $1,757.50 Adjusted subtotal: $17,575 + $1,757.50 = $19,332.50

Add the Permit Allowance

$19,332.50 + $600 = $19,932.50

Add a 20% Contingency

$19,932.50 × 20% = $3,986.50 Estimated storm damage repair cost: $19,932.50 + $3,986.50 = $23,919 The likely calculator range would be approximately:

• Low estimate: $21,527
• High estimate: $29,899

This example is for educational budgeting. It is not a contractor estimate, insurance settlement, structural evaluation, or guarantee of coverage.