Modular homes are built in sections and meet state/local building codes. Manufactured homes are built on a steel chassis to federal HUD standards. The difference impacts financing, insurance, zoning, and long-term value, especially in Florida’s storm-prone environment. Modular vs Manufactured Homes in Florida: What Really Sets Them Apart Modular and manufactured homes are both prefab, but in Florida, their differences impact storm safety, financing, insurance, and long-term value. Here’s a quick breakdown: Modular = real property: Qualifies for conventional loans, built to local codes Manufactured = personal property: Limited financing, built to HUD code Modular is permanently installed: Better zoning approval, higher resale Manufactured may sit on piers: Lower upfront cost, but may depreciate Modular offers full customization from layout to luxury upgrades Manufactured is mostly pre-designed, which means fast delivery but limited options If you’re buying in a flood zone, want hurricane resistance, or care about long-term value, these differences aren’t just technical, they’re make-or-break. And if you’re weighing your first big build or a Florida relocation, you’ll want to keep reading. What’s ahead could save you time, money, and plenty of headaches. The Core Difference Between Modular and Manufactured Homes, And Why It Matters Modular and manufactured homes