Official Website of the Mississippi Insurance Department > Mississippi State Fire Marshal > Factory Built Homes

Factory Built Homes

Factory-Built Homes Overview

The Mississippi Manufactured Housing Association estimates that as many as 520,000, or 25 percent of our state’s residents (using 1990 Census figures) live in a Factory-Built Home. However, few Mississippians realize that the State Fire Marshal’s Office, a division of the Mississippi Insurance Department, oversees this rapidly growing segment of the housing marketplace.

The State Fire Marshal’s Office licenses manufacturers, dealers, and installers/transporters of Factory-Built Homes in Mississippi. The State Fire Marshal’s Office also monitors proper anchoring and blocking of factory-built homes, and enforces federal standards governing proper construction practices. Currently, the office receives about 36 complaints each year, and maintains a caseload of approximately 24 active complaints.

Regulatory oversight of the Factory-Built Housing industry was first assigned to the State Fire Marshal’s Office in 1970 with the passage of the Factory-Built homes Law, which outlined the construction practices of what were then called “mobile” or “relocatable” homes. Then in 1974, based on a nationwide rash of serious defects, the federal Factory-Built Homes Construction Safety Standards Act was passed. Mississippi in turn adopted this legislation two years later as its set of construction standards for Factory-Built Homes. The law is enforced by the State Fire Marshal’s Office under contract to the U.S. Department of Housing and Urban Development.

In addition to “mobile” or “relocatable” homes built before 1974, and “factory-built housing” built after that date, the SFM also has responsibility under state law for oversight of a newer category of factory-built housing, the “modular” home.

When a new factory-built home is purchased, it comes with a one year warranty. If a consumer cannot resolve defect-related issues with the dealer and manufacturer during that one year period, homeowners can contact the State Fire Marshal’s Office for assistance by calling toll-free within Mississippi at 888-648-0877. It is recommend that consumers seek the cooperation of their dealer or manufacturer first.

After the homeowner files his or her complaint with the State Fire Marshal’s Office, the home’s manufacturer and dealer are requested to identify and repair the problems. The Office then inspects the home to make sure that it was installed or “set up” correctly, including adequate anchoring and blocking to prevent storm damage. Many, if not a majority, of consumer-related problems with Factory-Built Housing are caused by faulty or inadequate set-up.

If a manufacturing defect is identified, possible remedies range from securing the voluntary cooperation of the manufacturer to repair the homeowner’s problem to convening a hearing before the Commissioner of Insurance and levying appropriate fines and penalties against the dealer or manufacturer.

The State Fire Marshal’s Office also makes monthly visits to manufacturing facilities in order to identify consistent problems with homes such as roof, shower, or wallboard problems. This provides a check and balance to insure quality control over Factory-Built Homes currently being built in Mississippi.

Factory-Built Homes Safety Tips

  • Make sure that your home is installed by a licensed installer/transporter licensed by the State Fire Marshal’s Office and tied down properly in order to make sure that the home remains stable during a storm event. All homes are designed to be tied down as described in the installation manual that came with your home. If a manual did not come with your home, contact the manufacturer for one. If the installation manual is not available, then use minimum standards available at the State Fire Marshal’s Office.
  • Make sure that your home has a working smoke detector. It is recommended that you have a working fire extinguisher.
  • Residents always closely monitor adverse weather and follow the recommendations of the National Weather Service and local emergency management officials. It is a good idea to have a weather radio, preferably one that automatically activates in case of an alert.

Factory-Built Homes Licensing Forms

Some of the Factory-Built Homes Licensing Applications may be filled electronically but all of the applications may be filled manually. To fill an application electronically, follow the instructions contained on the form, type in the information, and print the form; the completed form cannot be saved. To complete an application manually, print the blank form, follow the instructions contained on the form, and write in the information.

To fill a application electronically, you must install the latest Adobe Acrobat Reader on your computer. It may be downloaded free from the Adobe Website.

Factory-Built Homes Additional Forms

Some of the Factory-Built Homes forms may be filled electronically but all of the forms may be filled manually. To fill a form electronically, follow the instructions contained on the form, type in the information, and print the form; the completed form cannot be saved. To complete a form manually, print the blank form, follow the instructions contained on the form, and write in the information.

To fill a form electronically, you must install the latest Adobe Acrobat Reader on your computer. It may be downloaded free from the Adobe Website.

Handouts for New/Renewal License Seminar

Factory-Built Homes Licensing Fees

  • License for Retail Sales Center: $150.00 per location.
  • License for Installer/Transporter: $100.00.
  • License for Manufacturer of HUD or Modular Homes: $250.00 per location.

There is a reinstatement fee penalty in addition to renewal fees (see the FAQ’s for Manufacturers, Retailers/Developers and Installers/Transporters).

Factory-Built Homes Additional Information

Factory-Built Homes Contact Information

Consumer Complaints: 888-648-0877 or 601-359-1061

Training Seminars and Licensing: 601-359-1069

Plan Review: 601-359-1061

Mailing Address:
State Fire Marshals Office
239 North Lamar Street, Suite 101
Jackson, MS 39205

Factory-Built Homes Licensing Search