ST. LOUIS, Mo. (First Alert 4) – There’s a good chance you know someone or know of someone who lives in a manufactured home, sometimes called a trailer, double-wide or sometimes a mobile Pre-Fab meaning it was produced in a factory and not built on-site.

According to the National Weather Service, these types of homes make up more than 50% of tornado deaths.

On Sunday, a Mt. Vernon, Illinois, family’s double-wide caved in on them. The Thompson family were trapped inside and had to be rescued, when they got out, a majority of their belongings were gone.

Two people died as a result of the tornado, both living in manufactured homes.

The Thompsons told First Alert 4 that they made it out by the grace of God, but aren’t sure how to move forward without insurance. The family said they had a difficult time trying to get mobile home insurance because of the age of their home.

Age and condition play a big role in coverage because of standards put in place nationally by the Department of Housing and Urban Development, or HUD. These construction standards for manufactured homes were first put in place back in 1976.

Then, when Hurricane Andrew hit Florida, the rules were updated in 1994.

Fast forward to the year 2000, when additional requirements were added to make these homes safer.

This has led to older models not meeting current standards, losing value over time. You can still live in these homes, in fact, many do, but insurance agents tell First Alert 4 it can be more expensive and difficult to get covered based on the condition of homes.

A spokeswoman with the Missouri Department of Insurance said some insurers are reluctant to write coverage if a home is not permanently secured to the ground.

So, what can you do to satisfy insurers?

Experts with Realtor suggest making structural upgrades, installing tie-downs or hurricane straps to anchor the home. That might also reduce your premium.

You can upgrade the skirting around the bottom of the home to reduce wind uplift.

Also, make improvements to your roofing and siding.

Every insurance company is different and judges each home on their currently condition and value. There are major insurers who say they do have mobile home plans, like Allstate, Progressive, and State Farm, to name a few.