How long will insurance pay for temporary housing in California?

At least 24 months after a declared-emergency loss, extendable to 36 for delays outside your control. For a loss with no declaration, the policy form sets the limit, usually 12 or 24 months.

Are there RVs available near me in California?

7 units on one national fleet were located within 200 miles of Los Angeles, CA on 2026-09-18, and nine in ten units deliver. Count by distance from your address, not by the state line, and ask operators for a written delivery quote.

Can I live in an RV on my lot in California while I rebuild?

Los Angeles County (unincorporated areas) has published a rule: a manufactured home, a mobilehome, or a recreational vehicle as temporary housing on a fire-damaged residential lot, temporary housing must close by January 16, 2028, or within 30 days after the executive order ends, whichever comes first. Other counties: ask the permit office.

Does flood insurance pay for housing in California?

No. The NFIP flood policy excludes temporary housing and living expenses everywhere. After a flood, file the flood claim on day one anyway, because its letter is what FEMA needs to consider rental assistance.

A residential driveway with a travel trailer in California terrain, no landmarks

California temporary housing and ALE rules

California temporary housing: the statutory ALE position, the RV units within 200 miles of Los Angeles, CA, published on-lot rules and rebuild data where they exist, with sources.

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Key facts

California law requires at least 24 months of Additional Living Expense after a loss tied to a declared emergency, extendable to 36.
7 RV units on one national fleet sit within 200 miles of Los Angeles, CA, and 18 inside the state, measured 2026-09-18.
On request, an advance of no less than four months of living expenses when the loss relates to a state of emergency (§2061).
Los Angeles County (unincorporated areas): a manufactured home, a mobilehome, or a recreational vehicle as temporary housing on a fire-damaged residential lot. Temporary housing must close by January 16, 2028, or within 30 days after the executive order ends, whichever comes first.
Most recent named event sourced: January 2025 Los Angeles County fires.

Which RV units can reach you?

Measured from Los Angeles, CA. Nine in ten units on the fleet deliver, with a median stated radius of 200 miles, so count by distance from your address. The fleet's power, length and pet profile by state is on RV temporary housing.

The most recent named event

January 2025 Los Angeles County fires. Source: LA County Recovers, read 2026-09-06.

Metro pages

Los Angeles temporary housing

Questions people ask

How long will insurance pay for temporary housing in California?: At least 24 months after a declared-emergency loss, extendable to 36 for delays outside your control. For a loss with no declaration, the policy form sets the limit, usually 12 or 24 months.
Are there RVs available near me in California?: 7 units on one national fleet were located within 200 miles of Los Angeles, CA on 2026-09-18, and nine in ten units deliver. Count by distance from your address, not by the state line, and ask operators for a written delivery quote.
Can I live in an RV on my lot in California while I rebuild?: Los Angeles County (unincorporated areas) has published a rule: a manufactured home, a mobilehome, or a recreational vehicle as temporary housing on a fire-damaged residential lot, temporary housing must close by January 16, 2028, or within 30 days after the executive order ends, whichever comes first. Other counties: ask the permit office.
Does flood insurance pay for housing in California?: No. The NFIP flood policy excludes temporary housing and living expenses everywhere. After a flood, file the flood claim on day one anyway, because its letter is what FEMA needs to consider rental assistance.

What to do next

Read the California row on the ALE time limits by state table and your policy's Loss of Use section.
Send an itemized ALE advance request in writing in the first week.
Search for units by distance from your address; Los Angeles, CA is the anchor we measured from.
Ask Los Angeles County (unincorporated areas) for the current temporary housing permit form.
Start the monthly ALE packet.

How we know

Each finding below names its source, what we did to it, what it means for you and what it costs to ignore. Figures marked measured decay and are re-measured before they are 60 days old.

How we know · measured 2026-09-18

Source: 7 units on one national RV rental fleet are located within 200 miles of Los Angeles, CA, and 18 are located inside the state. Fleet-wide, 89.4 percent offer delivery with a median stated radius of 200 miles. 4 units' stated radius covers Los Angeles, CA once radii above 500 miles are set aside; 197 listings state a radius above 500 miles.Outdoorsy public search feed, one national RV rental fleet (699 active units, measured 2026-09-18)
Operation: Measured the straight-line distance from each unit's listed location to Los Angeles, CA and compared it with the unit's own stated delivery radius, capped at 500 miles.
Consequence: Search by distance from Los Angeles, CA, not by the state line, and ask operators beyond 200 miles for their per-mile delivery quote before ruling them out.
Cost: A search that stops at the state border reports no inventory where the inventory delivers from the next state.

Reviewed by TempHome Finder editorial. Published 2026-09-06. Updated 2026-09-18.

Sources

Cal. Ins. Code §2060 (as amended by SB 872, operative July 1, 2021); §2061 (accessed 2026-09-06)
California Department of Insurance (accessed 2026-09-06)
Outdoorsy public search feed, one national RV rental fleet (699 active units, measured 2026-09-18) (accessed 2026-09-18)
LA County Recovers (accessed 2026-09-06)

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