--- title: "Navarre, Milton, Gulf Breeze Isaias (2026) RV Housing" url: https://agilervhousing.com/hurricane-isaias-temporary-housing-santa-rosa-county-fl description: "Santa Rosa County homeowners: after Hurricane Isaias (2026), Florida law protects one RV on your lot. How Loss of Use can pay for it." lang: en --- # Navarre, Milton, Pace and Gulf Breeze Hurricane Isaias (2026) Temporary Housing: Live in an RV on Your Own Lot By Michael Wojciak, founder, Agile RV Housing **Updated October 10, 2026:** Isaias made landfall near Destin, Florida, Friday night, and the National Weather Service recorded gusts of 117 mph near Oriole Beach, 116 mph on Santa Rosa Sound, 114 mph at Whiting Field in Milton, 105 mph near Navarre and 95 mph in Gulf Breeze (NWS Mobile (https://api.weather.gov/products/15f9d783-5a05-4d45-82c0-8cc269510a26)). Santa Rosa County's 911 center received reports of homes struck by trees, roof losses and some collapsed homes from Navarre to Whiting Field, with many calls from Pace and Floridatown (Santa Rosa Press Gazette (https://srpressgazette.com/isaias-makes-landfall-santa-rosa-looks-to-begin-recovery-efforts/)). Agile RV Housing places a fully set up RV on your own lot in Navarre, Navarre Beach, Milton, Pace, Gulf Breeze, Bagdad, Jay or anywhere else in Santa Rosa County when storm damage leaves your home unlivable. It is for homeowners with homeowners insurance. Your policy's Loss of Use coverage (Coverage D, also called Additional Living Expense) often pays for it once your adjuster approves it, and we work with your adjuster. Delivery is about four days from approval to move-in. The main variable is scheduling the electrical contractor. The rate is $120 to $140 a night, tax included, and our rate has not changed for the storm. Delivery and setup are priced separately for each property. We serve all of Santa Rosa County and all 48 contiguous states. Call (614) 655-4286: +16146554286 **Isaias and Santa Rosa County.** The National Hurricane Center said Isaias made landfall near Destin, Florida, around 8:30 p.m. CDT on October 9 with maximum sustained winds of 105 mph. It became a post-tropical cyclone over Alabama overnight, and NHC discontinued all remaining storm surge and tropical storm warnings with its final advisory at 4:00 a.m. CDT on October 10. Governor DeSantis said about 90 percent of Santa Rosa County was without power on Saturday morning (News4Jax (https://news4jax.com/weather/2026/10/10/desantis-gives-update-after-isaias-slams-the-florida-panhandle-leaving-many-without-power)). The damage reported to the county's 911 center was mostly trees on homes, roof losses and downed lines. Wind damage like this is usually covered by homeowners insurance, which is why Loss of Use can pay for housing while the house is repaired. Coastwide updates are on our Hurricane Isaias temporary housing page (https://agilervhousing.com/hurricane-isaias-temporary-housing). ## Can you live in an RV on your own lot in Santa Rosa County after Hurricane Isaias? Yes, in most cases. Governor DeSantis's state of emergency for Hurricane Isaias (Executive Order 26-202) covers Santa Rosa County. After the Governor declares a state of emergency for a natural disaster, Florida law bars a county or city from blocking a resident from living in one RV or similar unit on the lot of a home made uninhabitable, for up to 36 months or until the repaired home gets its certificate of occupancy, whichever comes first. The conditions are a good-faith effort to rebuild, such as applying for a building permit; a unit connected to water and electric that is not a health or safety threat; and the resident living in it. ### Florida state law (applies countywide) Fla. Stat. 125.023 (https://www.flsenate.gov/Laws/Statutes/2025/125.023) covers counties, which includes unincorporated areas such as Navarre, Navarre Beach, Pace, Bagdad, Floridatown and East Milton. Fla. Stat. 166.0335 (https://www.flsenate.gov/Laws/Statutes/2025/166.0335) covers cities, which includes Milton, Gulf Breeze and Jay. Both were added in 2023. The conditions: - You are making a good-faith effort to rebuild, for example by applying for a building permit. - The unit is connected to water and electric and is not a health or safety threat. - The resident of the damaged home lives in it. ### Unincorporated Santa Rosa County (Navarre, Pace, Bagdad, Floridatown, East Milton) In unincorporated Santa Rosa County, Land Development Code 4.02.03(d) permits living in an RV while a single-family home is built, with an issued single-family building permit, for up to 1 year. It allows one owner-used RV with permitted utility connections, and the RV must be road ready in flood zones. For storm-damaged homes, Fla. Stat. 125.023 covers you for up to 36 months after the Governor's declaration. ### Milton, Gulf Breeze and Jay Inside city limits, Fla. Stat. 166.0335 applies after the Governor's declaration. We confirm each city's process for your address before a placement. ### Navarre Beach Navarre Beach is in unincorporated Santa Rosa County, so Fla. Stat. 125.023 applies after the Governor's declaration. Santa Rosa County shut off Navarre Beach water service before Isaias, so we check utilities and access for every Navarre Beach address before we plan a placement. ### Flood zone rules The federal rule for flood zones says an RV has to be on site fewer than 180 consecutive days or be fully licensed and highway ready, on its wheels with quick disconnect utilities (44 CFR 60.3(c)(14) (https://www.ecfr.gov/current/title-44/chapter-I/subchapter-B/part-60/subpart-A/section-60.3)). Santa Rosa County's code also requires a road-ready RV in flood zones. We look up your flood zone and plan the placement around it, and the free zoning check (https://agilervhousing.com/zoning-check) is a good first step. ## Wind damage or flood damage: which one pays for housing? It depends on what damaged the house. A standard homeowners policy covers wind damage, including a tree that falls on the house, and its Loss of Use coverage pays the added cost of living somewhere else while the home is repaired. Standard homeowners policies exclude flood. A flood policy from the National Flood Insurance Program does not pay for temporary housing. It excludes additional living expenses incurred while the building "is unable to be occupied for any reason" (44 CFR Part 61, Appendix A(1) (https://www.ecfr.gov/current/title-44/chapter-I/subchapter-B/part-61/appendix-Appendix%20A(1)%20to%20Part%2061)). Some private flood policies do include living expenses, so check your declarations page. Many hurricane claims involve both wind and water. The adjuster decides what caused each part of the damage, and the wind side can still trigger Loss of Use. More in our flood insurance and temporary housing guide (https://agilervhousing.com/flood-insurance-temporary-housing). ## Does homeowners insurance cover temporary housing in Santa Rosa County? A Florida homeowners policy that covers wind often pays Loss of Use when wind damage makes a Santa Rosa County home unlivable, and an RV on your own lot can be that housing once your adjuster approves it. Citizens Property Insurance includes Loss of Use in its HO-3 homeowners policy and in its HW-2 wind-only policy (Citizens personal policies (https://citizensfla.com/personal-policies)). On an HW-2 policy, Loss of Use is 10 percent of Coverage A, the dwelling limit on your declarations page. How your hurricane deductible applies varies by Florida insurer. Under the standard ISO homeowners form, it applies to the total of all Section I loss, which includes Loss of Use, so ask your insurer how it applies to your living expenses. Have these three answers before you plan housing: 1. Your Loss of Use limit, in dollars, and any time limit. 2. If you are with Citizens, which form you have: HO-3 or HW-2. 3. How your hurricane deductible is applied. That dollar limit has to last through the whole repair. An Agile RV Housing unit at the top of our $120 to $140 nightly range, tax included, sleeps a family of up to five. The same family in hotels needs two rooms, and two rooms at typical ALE-approved rates cost more than $140 a night before meals, pet fees, and laundry. See what RV housing costs (https://agilervhousing.com/rv-housing-cost) and our ALE coverage guide (https://agilervhousing.com/ale-coverage). ## What does FEMA cover after Hurricane Isaias? As of October 10, 2026, the federal declaration for Florida, EM-3655-FL, is an emergency declaration. It covers emergency response work. It does not include Individual Assistance, the FEMA program that pays for temporary housing for individuals (OpenFEMA declarations data (https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries?$filter=declarationDate%20ge%20%272026-10-01T00:00:00.000z%27)). FEMA housing help would require a major disaster declaration that includes Individual Assistance. FEMA also cannot pay for needs that insurance covers (FEMA (https://www.fema.gov/assistance/individual/program)), so insured Santa Rosa County homeowners arrange temporary housing through their insurer. ## How long does a Florida insurance company have to pay a hurricane claim? Under Fla. Stat. 627.70131 (https://m.flsenate.gov/Statutes/627.70131), a Florida insurer must acknowledge your claim within 7 days, inspect within 30 days of receiving proof of loss, and pay or deny within 60 days. Fla. Stat. 627.70132 (https://m.flsenate.gov/Statutes/627.70132) gives you one year from the hurricane's landfall to give notice of a hurricane claim. The Florida Department of Financial Services has a Hurricane Isaias page (https://myfloridacfo.com/division/ica/isaias) and an Insurance Consumer Helpline at 1-877-693-5236. It tells policyholders to report damage to their insurer right away, document the damage with photos or video, and keep all receipts for additional living expenses. ## Long-term RV rental in Navarre, Milton, Pace and Gulf Breeze, delivered to your lot Agile RV Housing's long-term RV rental in Santa Rosa County is housing for a homeowner whose house is being repaired, set up on that homeowner's own lot and usually paid by Loss of Use once the adjuster approves it. The rate is $120 to $140 a night, tax included. Delivery and setup are priced separately. Stays run 60 days or longer, then month to month with no maximum. Most families stay about five months. If you work at NAS Whiting Field, Eglin or Hurlburt Field, you keep your commute. Your kids stay in their Santa Rosa County school, pets stay with you, and you see progress on the house every day and are there for every inspection. ## Temporary power for an RV in Santa Rosa County A licensed electrical contractor installs the power for every Agile RV Housing unit, and we arrange the contractor. If the house has lost its utility power, the electrician and your electric utility coordinate a temporary power pole for the RV. Scheduling the electrician is the main variable in delivery, which is about four days from approval to move-in. We set up the water and sewer ourselves. Florida law calls for a unit connected to water and electric, so the utility work is part of meeting the rules. See RV utility setup (https://agilervhousing.com/rv-utility-setup). ## How do you get temporary housing for an insurance claim in Santa Rosa County? Tell your adjuster you want an RV on your own property as your Loss of Use housing, and ask for the approval in writing. An RV on your own lot is commonly approved as ALE housing even when it is not the first option offered. If the adjuster asks about local rules, Fla. Stat. 125.023 and 166.0335 are worth mentioning. You choose who provides your temporary housing (https://agilervhousing.com/choose-your-temporary-housing). Your insurer or its housing agency may suggest a provider, and the choice stays yours. Your insurer may route housing through a temporary housing agency. In that case, name Agile RV Housing when you talk to your housing specialist. We are a preferred vendor with the national temporary housing agencies, including ALE Solutions, Alacrity, Sedgwick, CRS, and National Corporate Housing, and we work with all of them. You can also call us directly at (614) 655-4286. ## How we have done this Agile RV Housing has completed over 100 long-term placements in the last two years, and founder Michael Wojciak has 10 years in RV rental and fleet operations. Agile is a preferred vendor with the national temporary housing agencies. For a Santa Rosa County home, that experience goes into the parts that take the most care: the county or city rules for your address, the flood zone, Navarre Beach access and utilities, and hookups that meet the Florida Building Code. **Call (614) 655-4286.** Tell us where you are and who insures you. We will tell you which county and state rules apply, and what to ask your adjuster. Or start with the free zoning check (https://agilervhousing.com/zoning-check). **Prefer a call back?** Leave your number and we will call you. Call (614) 655-4286 (+16146554286) ## Request a call back We'll call you back. For the fastest answer, call (614) 655-4286 (+16146554286). ## Frequently asked questions ### Can Santa Rosa County stop me from living in an RV on my lot after Hurricane Isaias? After the Governor declares a state of emergency for a natural disaster, Florida Statute 125.023 bars a county from blocking one RV on the lot of a home made uninhabitable, for up to 36 months or until the home's certificate of occupancy. You must be rebuilding in good faith, have the unit connected to water and electric, and live in it. Executive Order 26-202 covers Santa Rosa County for Hurricane Isaias. ### I live in Milton or Gulf Breeze. Does the same rule apply? Yes. Milton, Gulf Breeze and Jay are cities, and Florida Statute 166.0335 gives city residents the same protection after a Governor's declaration. Agile RV Housing confirms each city's process for your address before a placement. ### My house was flooded, not damaged by wind. Will insurance pay for an RV? Usually not from the flood policy. A standard NFIP flood policy excludes additional living expenses, and standard homeowners policies exclude flood. If wind also damaged the house, the homeowners policy's Loss of Use can still apply, and some private flood policies include living expenses. Check your declarations page and ask your adjuster. ### Is FEMA providing trailers or housing after Hurricane Isaias? Not as of October 10, 2026. Florida's federal declaration for Isaias, EM-3655-FL, is an emergency declaration without Individual Assistance, the FEMA program that pays for temporary housing. FEMA also cannot pay for needs that insurance covers, so insured homeowners arrange housing through their insurer. ### Does a Citizens policy include Loss of Use for an RV on my property? Citizens Property Insurance includes Loss of Use in its HO-3 homeowners policy and its HW-2 wind-only policy. On an HW-2 policy, Loss of Use is 10 percent of Coverage A. Ask your Citizens adjuster to approve an RV on your own property as your Loss of Use housing. ### My home is in a flood zone in Navarre. Does that change anything? In unincorporated Santa Rosa County, which includes Navarre, an RV used during construction must be road ready in flood zones. Under the federal rule, an RV in a FEMA flood zone must be on site fewer than 180 consecutive days or be fully licensed and highway ready. Agile RV Housing plans the placement around both. ## Sources - National Weather Service Mobile, Public Information Statement, peak wind gusts, 3:37 a.m. CDT October 10, 2026: https://api.weather.gov/products/15f9d783-5a05-4d45-82c0-8cc269510a26 - National Hurricane Center, Tropical Cyclone Update, 8:30 p.m. CDT October 9 (landfall): https://www.nhc.noaa.gov/archive/2026/al09/al092026.update.10100129.shtml - National Hurricane Center, Post-Tropical Cyclone Isaias Advisory 15 (final NHC advisory): https://www.nhc.noaa.gov/archive/2026/al09/al092026.public.015.shtml - Santa Rosa Press Gazette, October 9, 2026: https://srpressgazette.com/isaias-makes-landfall-santa-rosa-looks-to-begin-recovery-efforts/ - News4Jax, October 10, 2026, outage figures from Governor DeSantis: https://news4jax.com/weather/2026/10/10/desantis-gives-update-after-isaias-slams-the-florida-panhandle-leaving-many-without-power - Santa Rosa County, Navarre Beach water service notice: https://www.santarosa.fl.gov/m/newsflash/Home/Detail/2202 - Fla. Stat. 125.023: https://www.flsenate.gov/Laws/Statutes/2025/125.023 - Fla. Stat. 166.0335: https://www.flsenate.gov/Laws/Statutes/2025/166.0335 - Santa Rosa County Land Development Code 4.02.03(d) - 44 CFR 60.3(c)(14): https://www.ecfr.gov/current/title-44/chapter-I/subchapter-B/part-60/subpart-A/section-60.3 - NFIP Standard Flood Insurance Policy, 44 CFR Part 61, Appendix A(1): https://www.ecfr.gov/current/title-44/chapter-I/subchapter-B/part-61/appendix-Appendix%20A(1)%20to%20Part%2061 - Citizens Property Insurance, personal policies: https://citizensfla.com/personal-policies - ISO HO 00 03 homeowners form: https://www.maine.gov/pfr/insurance/sites/maine.gov.pfr.insurance/files/inline-files/ho00-03-05-11-homeowners3-special-form.pdf - OpenFEMA disaster declarations data: https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries?$filter=declarationDate%20ge%20'2026-10-01T00:00:00.000z' (https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries?$filter=declarationDate%20ge%20%272026-10-01T00:00:00.000z%27) - FEMA Individuals and Households Program: https://www.fema.gov/assistance/individual/program - Fla. Stat. 627.70131: https://m.flsenate.gov/Statutes/627.70131 - Fla. Stat. 627.70132: https://m.flsenate.gov/Statutes/627.70132 - Florida Department of Financial Services, Hurricane Isaias: https://myfloridacfo.com/division/ica/isaias Call Now: (614) 655-4286: +16146554286 ## Structured data ```json [ { "@context": "https://schema.org", "@type": "Organization", "@id": "https://agilervhousing.com/#organization", "name": "Agile RV Housing", "url": "https://agilervhousing.com/", "logo": "https://agilervhousing.com/agile-rv-logo.png", "description": "Temporary RV housing placed on the homeowner's property during insurance-covered repairs. 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