Temporary Housing on Your Lot in Montgomery After Hurricane Isaias

This page is for homeowners in the City of Montgomery, unincorporated Montgomery County, Prattville in Autauga County, and Millbrook in Elmore County, 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 the four answers here differ: Millbrook's zoning ordinance has a written rule for a home destroyed by a natural disaster, Montgomery and Prattville have no storm exception, and the county handles permits only outside the city police jurisdictions. 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 Montgomery 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 4 to 8 inches of rain across southern Alabama and 2 to 5 inches across much of the rest of the Southeast, said flash, urban, and river flooding was possible, and said the tornado threat would continue Saturday across parts of eastern Alabama.

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. Montgomery, Autauga, and Elmore are among the 40 counties named in Governor Ivey's Hurricane Isaias state of emergency proclamation, effective 4 p.m. CDT on October 7, 2026. Source

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 Montgomery City/County Emergency Management Agency, the Autauga County EMA, or the Elmore County EMA. 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. Montgomery County's building permit page says the county issues permits outside the police jurisdictions of the City of Montgomery and the Town of Pike Road, and that the city's police jurisdiction reaches 3 miles past the city limits, so many addresses outside the city still go to the city for permits. The county Engineering Department's contact page lists its administration office at 334-832-1310.

Montgomery's zoning ordinance treats an RV on a private lot as a stored vehicle, kept behind the setback lines and mostly out of view, and says no mobile dwelling may be lived in outside a mobile dwelling park or subdivision. The code does not speak directly to a homeowner living in an RV for a while after a storm, and we found no disaster provision, so ask the Inspections Department before a trailer is placed.

Prattville allows RVs as temporary homes only in RV parks and campgrounds, and its temporary uses section has no disaster housing category. Millbrook's rule applies when the principal building is destroyed, not merely damaged, and the same ordinance otherwise limits RV stays on a residential lot to visitors for up to 30 consecutive days. The ordinance is posted as a 2023 scan through the city's zoning map, so confirm the current text with the Planning and Zoning Administrator.

Emergency management is by county: the Montgomery City/County EMA for Montgomery, the Autauga County EMA for Prattville, and the Elmore County EMA for Millbrook.

Septic: Alabama's onsite sewage rules, which county health departments apply, define a dwelling to include a recreational vehicle and say a building may not be occupied as a dwelling unless it has an approved sewage disposal system. Installing or repairing a septic system needs a permit from the county health department. We did not find a county rule written specifically for RV septic hookups.

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 Montgomery. 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 Montgomery 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: Selma (Dallas County), AL
• Nearby: Birmingham area, AL
• Nearby: Dothan and Enterprise (The Wiregrass), AL
• More inland Alabama pages: Brewton and Atmore (Escambia County, AL), Andalusia (Covington County), Tuscaloosa 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