The Short Answer
Manufactured home roofs in Michigan are built to the federal HUD standard, not the Michigan Residential Code, and to a roof load zone shown on the home's data plate: 20 pounds per square foot south of the M-55 and M-115 line and 30 north of it. Repairs should respect that design: replace like with like, avoid adding weight without engineering, and fix seams, fasteners and penetrations rather than coating over them.
Key Points
- The data plate inside the home lists the roof load zone it was designed for; in most of Lower Michigan that is the South zone at 20 pounds per square foot.
- Michigan rule R 125.1185 draws the line between the 20 and 30 psf zones along M-55 from Tawas City and M-115 to Frankfort.
- Metal roofs mostly leak at fasteners, seams and penetrations; shingled manufactured roofs often leak because of low slope and shallow overhangs.
- A roof-over adds framing and weight; ask for an engineered system and check with your local building department and park management first.
- Michigan licenses mobile home installers and repairers separately; ask what license a contractor working on your home holds.
Which Code Governs a Manufactured Home Roof
Homes built since 1976 to the federal Manufactured Home Construction and Safety Standards, often called the HUD code (24 CFR Part 3280), are not built to the Michigan Residential Code. Michigan adopts the federal standard for manufactured homes sold here: Mich Admin Code R 125.1185 says all new homes sold within Michigan must comply with the HUD construction standards.
For the roof, the federal standard sets the design loads and the weather resistance. Section 3280.307 requires exterior coverings to be moisture and weather resistant, attached with corrosion-resistant fasteners to resist wind, snow and rain, with joints designed to keep out air and water and joints between dissimilar materials protected with a compatible sealant. Section 3280.305 sets wind uplift and snow loads.
Michigan's Mobile Home Commission Act also limits what local governments can add. Under MCL 125.2307, a local ordinance may not contain a manufacturing or construction standard more stringent than the federal one, and may not impose roof configuration standards that apply only to mobile homes. Local building departments still handle permits for work they regulate, so ask yours before structural work or a roof-over.
Roof Load Zones and Your Data Plate
The HUD standard divides the country into three roof load zones. Roofs must be designed for a downward live load of 40 pounds per square foot in the North zone, 30 in the Middle zone and 20 in the South zone. In the federal county list, no Michigan county is in the North zone. The Upper Peninsula and northern Lower Peninsula counties, including Grand Traverse, Leelanau, Benzie, Antrim, Charlevoix, Emmet and Wexford, are listed in the Middle zone. The rest of Michigan falls in the South zone.
Michigan's rule R 125.1185(3) sets the dividing line between the South (20 psf) and Middle (30 psf) zones along the centerline of M-55 west from Tawas City to M-115, then northwest along M-115 to Frankfort. The same rule requires new or pre-owned HUD homes brought into or sold within Michigan to comply with the roof load for their location. Homes in Kent, Ottawa, Allegan, Kalamazoo and the rest of southern Lower Michigan are in the South zone.
Every manufactured home has a data plate, which Section 3280.5 requires to be permanently attached near the main electrical panel or another readily accessible and visible location, and to reference the roof load zone and wind zone the home was designed for. Read it before planning a repair. A home designed for 20 psf has less margin for added roofing layers, heavy coatings or a deep snowpack than many people assume.
Heavy snow on a light roof
How much snow a roof can carry, and signs of overload.
Roof snow load limits in MichiganLake-effect snow can stack well past average depths on the lee side of a roof in a single event. If ceilings crack, doors start sticking or the roof line sags in a heavy winter, treat it as urgent.
Repairing Metal Manufactured Home Roofs
Many older single-section homes have a low, slightly curved metal roof made of long galvanized or aluminum sheets joined at seams and fastened along the edges. They are light and shed water well when new. They leak at the same few places as they age.
- Fasteners: screws and nails back out as the metal expands and contracts, and the rubber washers dry and crack. Replacing failed fasteners with properly sized new ones and new washers is basic maintenance.
- Seams: the lapped or crimped joints between sheets open up or lose their sealant. Section 3280.307 expects these joints to resist air and water; a proper seam repair cleans, fastens and seals the joint with a compatible product.
- Penetrations: plumbing vents, furnace and water heater flues and roof vents through a thin metal skin. Boots and collars made for metal roofs are the fix, not a blob of mastic.
- Edges and rain rails: the trim along the sides takes ice and wind. Loose edge trim lets water and wind under the panels.
- Rust and dissimilar metals: steel fasteners in aluminum, or copper in contact with galvanized steel, corrode quickly. Matching metals matters on any repair.
Metal roof repair
Fastener back-out, seam leaks and dissimilar metals on any metal roof.
Metal roof repairRepairing Shingled Manufactured Home Roofs
Newer multi-section homes often have pitched roofs with asphalt shingles that look like a site-built roof. They are repaired much the same way, with a few differences worth knowing.
Slopes on manufactured homes are often lower than on site-built houses, so shingles may be near the low end of what the shingle manufacturer allows, and underlayment matters more. Overhangs are often short, which puts wind-driven rain close to the walls. Multi-section homes have a marriage line at the ridge where the halves were joined on site, and the ridge finish there is a common leak point if it was not completed properly.
Decking is often thinner than on a site-built house, and some homes use materials that soften quickly when wet. A leak left alone can soften the deck faster than you would expect, so walk carefully, and walk on framing, if anyone goes up at all.
Leak or Condensation? A Manufactured Home Problem
Manufactured homes have shallow roof cavities, and many have no attic access at all. That makes leaks hard to trace and condensation easy to mistake for a leak. The HUD standard requires a ceiling vapor retarder of not more than 1 perm on the living-space side of the roof cavity in its colder thermal zones (Section 3280.504), which is how the design keeps indoor moisture out of that cavity.
When the vapor retarder is torn by a ceiling repair, or a bath fan or dryer vents into the roof cavity instead of outside, moisture condenses on the cold underside of the roof in a Michigan winter and drips back through the ceiling on the first thaw. Before paying for roof work in winter, ask whether the drip appears on cold, dry days or only during rain and snowmelt.
Patch, Coat or Roof Over?
Targeted repair
Most leaks
Replace failed fasteners, reseal or re-fasten seams, install proper boots at penetrations, fix edge trim. This is the right first step on most roofs that are otherwise sound.
Roof coating
Metal roofs with sound panels
A coating made for metal roofs, applied after seams and fasteners are repaired and the surface is cleaned and primed per the coating maker's instructions, can extend a metal roof's life. Coating over loose fasteners and open seams just hides them.
Roof-over
Adds framing and weight
A new pitched roof framed over the old one, or a new membrane or metal system on top. It can solve chronic leaks and add drainage, but it adds dead load to a structure designed for a specific roof load. Ask for an engineered system or the home manufacturer's guidance, and ask your building department and park management first.
Re-shingle
Pitched shingle roofs
Tearing off and replacing shingles on a multi-section home. Adding a second layer of shingles over the first adds weight the original design may not have allowed for.
Stellar's rule on site-built homes applies even more strongly here: we don't warranty shingle overlays, and on a manufactured home the added weight is a second reason to avoid one.
Licensing and Park Rules in Michigan
Michigan's Mobile Home Commission Act defines an installer and repairer as a person that, for compensation, installs or repairs mobile homes (MCL 125.2302), and LARA issues a Mobile Home Installer and Repairer License for three-year terms (MCL 125.2321). LARA's application instructions describe it as allowing the business of installing homes or servicing a mobile home for compensation. Licensed electricians, plumbers and mechanical contractors working within their own licenses are exempt unless the work includes general repair (MCL 125.2325).
Whether a roofer working only on the roof needs that license in addition to a residential builder or maintenance and alteration license is a question LARA's Bureau of Construction Codes can answer for a specific contractor. Ask any contractor which license they hold for this work, and check it.
If your home sits in a manufactured housing community, read the park's rules before arranging a roof-over, a color change or any work that needs equipment on the lot. Parks commonly set rules about exterior changes and contractor access, and some require approval in advance.
Questions to Ask Before Work Starts
- What roof load zone is on my data plate, and does your plan add weight?
- Will you replace fasteners and seal seams with products compatible with my roof metal?
- How will you access the roof without damaging thin decking or panels?
- If you recommend a coating, what preparation does the coating manufacturer require, and is there a warranty?
- If you recommend a roof-over, is it an engineered system, and who checks with the building department and the park?
- Which Michigan license do you hold for this work, and can I see your insurance certificates?
HUD Roof Load Zones in Michigan
| Zone | Design Roof Load | Where in Michigan |
|---|---|---|
| North | 40 psf | No Michigan counties in the federal list |
| Middle | 30 psf | Upper Peninsula and northern Lower Peninsula counties north of the M-55 and M-115 line, such as Grand Traverse, Leelanau, Benzie, Antrim, Charlevoix and Emmet |
| South | 20 psf | Southern Lower Michigan, including Kent, Ottawa, Allegan, Muskegon and Kalamazoo counties |
From 24 CFR 3280.305(c)(3) and Mich Admin Code R 125.1185(3). Your home's data plate is the authority for the zone it was built to.
Leak in a Manufactured Home Roof?
Call or text us and tell us the home's age, the roof type and the roof load zone on the data plate. We'll tell you plainly whether it is a repair we can do and what it involves. Every repair starts at $500.
Related Guides
Metal Roof Repair
Fasteners, seams, trim and dissimilar metals.
Learn MoreRoof Snow Load Limits in Michigan
How much snow a roof can carry and the warning signs.
Learn MoreHome Warranty vs Roof Repair
Why home warranty plans often exclude roof leaks, including on mobile homes.
Learn MoreRoof Snow Removal
When and how snow should come off a roof safely.
Learn MoreQuestions We Hear
Where is the data plate on a manufactured home?
Federal rules require it to be permanently attached near the main electrical panel or in another readily accessible and visible location. If you cannot find it, check cabinets and closets near the panel. It lists the roof load zone and wind zone the home was built for, among other details.
Can I put a metal roof over my mobile home roof?
Sometimes, but it adds weight and framing to a structure designed for a specific roof load. Use an engineered roof-over system or follow the home manufacturer's guidance, check the roof load zone on your data plate, and ask your local building department and, in a community, park management before you commit.
How often should a metal mobile home roof be resealed?
There is no single schedule. Check the roof each spring and fall for backed-out fasteners, cracked washers, open seams and failed sealant around vents, and fix those items as they appear. Coating the whole roof is a separate decision that only makes sense after the seams and fasteners are sound.
Is my manufactured home built for Michigan snow?
It is built for the roof load zone on its data plate. In most of southern Lower Michigan that is the South zone, designed for 20 pounds per square foot, and north of the M-55 and M-115 line it is the Middle zone at 30. Michigan requires HUD homes sold here to meet the roof load for their location.
Do I need a permit to repair a manufactured home roof?
Small repairs such as replacing fasteners or a vent boot usually do not. Roof-overs, structural repairs and re-roofing are more likely to need one, and rules vary by city and township. Ask your local building department, and if you live in a community, ask park management about their own approval process.
What This Page Cites
- 24 CFR 3280.305, Structural design requirements (wind, snow and roof loads; zone lists), Electronic Code of Federal Regulations (https://www.ecfr.gov/current/title-24/subtitle-B/chapter-XX/part-3280/subpart-D/section-3280.305), accessed October 2026
- 24 CFR 3280.307, Resistance to elements and use, Electronic Code of Federal Regulations (https://www.ecfr.gov/current/title-24/subtitle-B/chapter-XX/part-3280/subpart-D/section-3280.307), accessed October 2026
- 24 CFR 3280.5, Data plate, Electronic Code of Federal Regulations (https://www.ecfr.gov/current/title-24/subtitle-B/chapter-XX/part-3280/subpart-A/section-3280.5), accessed October 2026
- 24 CFR 3280.504, Condensation control and installation of vapor retarders, Electronic Code of Federal Regulations (https://www.ecfr.gov/current/title-24/subtitle-B/chapter-XX/part-3280/subpart-F/section-3280.504), accessed October 2026
- Mich Admin Code R 125.1185, Home construction standards (roof load zones), Legal Information Institute, Cornell Law School (https://www.law.cornell.edu/regulations/michigan/Mich-Admin-Code-R-125-1185), accessed October 2026
- Mobile Home Commission Act, MCL 125.2302 (definitions), 125.2307 (local standards), 125.2321 (licensing) and 125.2325 (installation; licensing exemptions), Michigan Legislature (https://www.legislature.mi.gov/Laws/MCL?objectName=mcl-125-2307), accessed October 2026
- Instructions for Application for Mobile Home Dealer License or Mobile Home Installer and Repairer License (BCC-968), Michigan Department of Licensing and Regulatory Affairs (https://www.michigan.gov/documents/lara/bcc968_mobile_home_installer_repair_license_0517-fillable_567068_7.pdf), accessed October 2026
