Ocean City and Worcester County residents report lack of replacement‑value insurance for older manufactured and mobile homes

Ocean City Mayor (Meehan) and Baltimore City housing officials told the House Environment and Transportation Committee that older mobile and manufactured homes in coastal areas face sharply reduced access to replacement‑value homeowners coverage.

Nicole Hart, deputy commissioner of Homeownership and Housing Preservation for the Baltimore City Department of Housing and Community Development, said legacy older adult homeowners in the city struggle to maintain homeowners insurance and that sudden rate increases and what residents perceive as arbitrary inspections can drive people to let policies lapse. She said that underinsurance or lack of a policy delays needed maintenance and can wheedle away wealth built through homeownership.

"We find that they're often juggling groceries, utilities, medical expenses,…