Temporary Housing on Your Lot in Birmingham After Hurricane Isaias

This page is for homeowners in Birmingham, Hoover, Bessemer, and unincorporated Jefferson County, Alabama, if Hurricane Isaias left your home unlivable. Alabama has no statewide rule on living in a travel trailer on your own lot while you rebuild, and in the Birmingham area the line between city and county matters most: Jefferson County's zoning resolution has a written emergency relief permit for an RV after a natural disaster, while the Birmingham, Hoover, and Bessemer codes limit or bar living in one and have no storm exception. 1st Choice Living has placed furnished travel trailers on homeowners' own property, nationwide, since 2004, and we bill the carrier directly under ALE where the claim covers it.

Hurricane Isaias and the Birmingham area

Storm facts as of October 9, 2026, 5 p.m. CDT, from official sources:

• The storm. In its 4 p.m. CDT advisory on October 9, 2026, the National Hurricane Center said Isaias was a Category 3 hurricane with maximum sustained winds near 115 mph, and that it was forecast to make landfall along the coast of the western Florida Panhandle that evening and then move across Alabama. Source
• Warnings. That advisory had a hurricane warning in effect from Ocean Springs, Mississippi, to the Bay and Gulf County line in Florida, and said storm surge could reach 6 to 9 feet above ground from the Alabama and Florida border to Grayton Beach, Florida. Source
• Alabama. Governor Kay Ivey declared a state of emergency for 40 Alabama counties, effective 4 p.m. CDT on October 7, 2026. On October 8 she ordered non-residents, tourists, and visitors to leave Baldwin County south of the Gulf Intracoastal Waterway, including Gulf Shores and Orange Beach, and Zone 1 in Mobile County, including Dauphin Island. Source

In the same 4 p.m. CDT advisory, the National Hurricane Center said the center was expected to move across Alabama and into the Tennessee Valley, with weakening expected after landfall, and its forecast advisory had the center moving inland across Alabama and becoming post-tropical on Saturday, October 10.

The advisory forecast 2 to 5 inches of rain across much of the Southeast beyond southern Alabama, with localized higher amounts, and said flash, urban, and river flooding was possible across the region.

Inland, the risk named in the advisory is wind, rain, and tornadoes rather than storm surge. If a tree comes through the roof or water gets in, a home can become unlivable far from the Gulf, and the same Additional Living Expenses coverage applies as on the coast.

State of emergency. We did not find this county named in Governor Ivey’s Isaias state of emergency on an official page as of October 9, 2026. Check with the county emergency management agency for local orders.

Return to your property only when local officials say it is safe. Stay out of flood water and keep clear of downed lines. For roads, shelters, and re-entry, follow the Jefferson County Emergency Management Agency. For the current forecast, go to the National Hurricane Center.

Local rules on living in an RV on your lot

Start with where your address sits. Inside Birmingham, Hoover, or Bessemer, the city code and its permit office apply; Jefferson County's zoning resolution applies only outside city limits. Hoover reaches into Shelby County, where the Shelby County Health Department, not Jefferson County's, handles septic.

In unincorporated Jefferson County, two sections of the zoning resolution matter. Section 1215 lets the Director of Development Services grant immediate temporary emergency relief by permitting a mobile home, RV, or tiny home on your property when the need comes directly from fire or natural disaster damage; the permit lasts no more than a year and cannot be transferred. Section 1214 allows a camper, RV, mobile home, or tiny home on a lot for up to a year while a single-family home is built there. Both are permits, not automatic, so apply to Development Services first.

Birmingham's code counts a travel trailer or camping trailer used for sleeping as a mobile home, and Hoover's counts any unit on wheels with sleeping or living space as a trailer coach. Both set short day limits outside a park, and we found no disaster exception in either code. Hoover's zoning ordinance is not posted online, so ask the city as well.

Rules here were read on official city and county pages on October 9, 2026 and can change after a storm. The side-by-side table for every Isaias area is on Hurricane Isaias RV rules by county.

How the trailer is billed: Additional Living Expenses

Additional Living Expenses, or ALE, sometimes called loss of use, pays for somewhere to live while the house is not livable. Ask your carrier whether your policy includes it and what the limit is. The Alabama Department of Insurance explains that additional living expenses reimburse the cost of your additional living arrangements, and it lists a trailer alongside a hotel or an apartment. It says you will need all receipts to be reimbursed.

• Local rules for your address checked before delivery.
• A furnished travel trailer that sleeps 2 to 10, with a kitchen, a bathroom, real beds, and heat and air, delivered, leveled, and set up on your property.
• Utilities connected by licensed, insured contractors from our preferred vendor network, planned around what is actually working at the property.
• Site conditions documented at setup and again at takedown.
• Direct billing to your carrier under ALE where the claim covers it, tracked against your ALE limit. On a covered claim that is $0 out of pocket for your family.
• One named contact from the first call to the day the unit leaves.

Flood is different. National Flood Insurance Program policies do not provide additional living expense coverage. If your home also had damage your homeowners policy covers, such as wind, ask your adjuster how ALE applies. This is general information, not legal or coverage advice. Your policy and your adjuster decide what is covered.

Already working with a temporary housing company?

We work with any temporary housing company. If one is handling your housing, ask them to place you with 1st Choice Living for a trailer on your own lot in Birmingham. They send us the placement, we deliver, set up, and service the trailer, and the billing runs through them or straight to your carrier, whichever way their program works.

What we need to start

• The property address in Birmingham and whether it is inside city limits.
• How many people are in the household.
• Your claim number and your adjuster’s name and contact.
• Your ALE limit, if your adjuster has told you.

From there we check the local rules for that address, confirm the lot can take a unit, and plan setup around what is safe and working at the property. If a trailer on your lot is not the right fit, we will tell you. Adjusters and housing companies can send a placement through for adjusters and carriers.

More Hurricane Isaias pages

• Temporary housing after Hurricane Isaias: storm facts, safety, and ALE for Alabama, Mississippi, and Florida.
• Hurricane Isaias RV rules by county: every area in one table.
• Our Alabama temporary housing page.
• Nearby: Tuscaloosa County, AL
• Nearby: Montgomery area, AL
• More inland Alabama pages: Brewton and Atmore (Escambia County, AL), Andalusia (Covington County), Dothan and Enterprise (The Wiregrass), Selma (Dallas County).
• Travel trailers for crews and families after Hurricane Isaias from Temporary RV Living.
• Drone documentation after Hurricane Isaias from LossMap, to record roof and property damage before cleanup.

Frequently asked questions