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August 2026 Storms · Indiana

A Trailer on Your Lot in Northwest Indiana After the August Storms

If your home in Gary, Hammond, Merrillville, Crown Point, Valparaiso, Portage, Michigan City, La Porte, and rural Lake, Porter, and LaPorte counties is not livable after the August storms, you may be able to stay on your own property while it is repaired. We deliver a furnished travel trailer to your driveway or yard, set it up, have it connected, and service it for the whole stay. When a carrier approves the trailer, we can bill the carrier directly.

Local rules. No code we found in Lake, Porter, or LaPorte County has a storm or rebuilding exception for living in a travel trailer on your lot; Valparaiso and Portage allow short stays, and the rest bar it. Each rule is linked to its official source below.

Housing a crew? Hammond, Merrillville, Crown Point, and the counties allow construction trailers or offices on a job site, and none of them says workers may live in them. Crew rules and housing

The August storms and Lake, Porter, and LaPorte counties

FEMA lists Lake County, Porter County, and LaPorte County under Individual Assistance for this disaster. Households there apply for FEMA help at DisasterAssistance.gov; FEMA set October 25, 2026 as the deadline to apply in Indiana. For Lake, Porter, and LaPorte counties, official updates come from the Lake County Emergency Management and Homeland Security, Lake County Storm Info Hub, Porter County Emergency Management, LaPorte County Emergency Management of Homeland Security, LaPorte County 8/11/26 Storm Damage Assessment form, and Indiana Department of Homeland Security.

Storm facts

  • Indiana. On August 13, 2026, Governor Braun signed Executive Order 26-21, declaring a statewide disaster emergency for 30 days due to flooding, severe weather, tornadic activity, and a derecho that began August 11, 2026. Indiana Executive Order 26-21
  • Federal, Indiana. On August 25, 2026, FEMA listed a major disaster declaration for Indiana, DR-4933-IN, for severe storms, straight-line winds, tornadoes, and flooding from August 11 to 24, 2026, and on September 25, 2026 it added Cass, Pike, and Putnam counties for Individual Assistance. As of October 17, 2026, its designated areas page named 24 counties under Individual Assistance, the FEMA program that pays households directly: Carroll, Cass, Dearborn, Decatur, Delaware, Fayette, Franklin, Hamilton, Hancock, Henry, LaPorte, Lake, Madison, Marion, Morgan, Pike, Porter, Pulaski, Putnam, Randolph, Rush, Tipton, Union, and Wayne. FEMA, Indiana Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4933-IN), designated areas
  • Deadline to apply, Indiana. In its September 25, 2026 news release, FEMA said the deadline to apply for FEMA Individual Assistance in Indiana is October 25, 2026. FEMA news release DR-4933-IN NR 05, September 25, 2026
  • Weather, Indiana. NWS Indianapolis says a wet pattern from August 11 to 17, 2026 brought over a foot of rain to some parts of central Indiana, and that the White River at Anderson and Noblesville set record crests, breaking records from 1913. National Weather Service Indianapolis, Record Flooding of August 2026

Checked against the sources above as of . For current information, go to the source.

Recovery status as of October 17, 2026

What the official county, city, state, and FEMA pages stated when we read them. Each line carries its date and links its source.

  • October 16, 2026. Indiana Department of Homeland Security lists in-person FEMA, SBA and state relief help events in Porter County (Portage and Valparaiso, Oct. 16), LaPorte County (La Porte library, Oct. 17) and Lake County libraries in Lake Station and Griffith (Oct. 20 to 22). Source: Indiana Department of Homeland Security
  • October 14, 2026. Town of Porter (Porter County) says state debris removal collection of storm vegetative debris from public rights-of-way begins Friday, Oct. 16. Source: Town of Porter
  • September 23, 2026. Lake County One-Stop Shop for FEMA help opens in Gary at United Steelworkers Local 1014, 1301 Texas St., Sept. 23 to 25 and Sept. 28 to Oct. 2, 9 a.m. to 6 p.m. Central. Source: Lake County Emergency Management and Homeland Security
  • September 8, 2026. Merrillville storm debris collection is concluding; Sept. 15 was the last day to put storm branches and household debris at the curb. Source: Town of Merrillville
  • August 25, 2026. NIPSCO reports power restored to 99% of customers in northern Indiana; remaining outages may involve damage to privately owned equipment. Source: NIPSCO
  • August 25, 2026. Merrillville crews are consolidating and hauling storm tree debris as part of the town's debris removal process. Source: Town of Merrillville

Not stated on an official page. Anything not listed here was not stated on an official page we read. Ask the county emergency management agency for the latest.

A trailer on your own lot in Lake, Porter, and LaPorte counties

Whether a trailer can stay on your lot is decided by your city or town, or by the county or township outside city limits, and by your HOA if you have one. Here is what each one’s own code or official page says, in short. Our parent brand covers the residential RV rules for Northwest Indiana in detail.

  • City of Gary. No official page we could find states a rule. Check with the city or county before delivery.
  • City of Hammond. The zoning ordinance says travel trailers, campers and similar recreational equipment may not be used for living or sleeping when parked on a residential lot, and no storm or rebuilding exception was found. Ask the Zoning Division before anyone moves in. Source: City of Hammond Zoning Ordinance No. 8514, Sec. 20.50.02
  • Town of Merrillville. The zoning code says motor homes and recreational trailers may not be used as dwellings in residential zones unless they sit in an approved mobile home park or campground, and no storm or rebuilding exception was found. Ask the Planning and Building Department before anyone moves in. Source: Town of Merrillville Code of Ordinances, Sec. 21-77(a)(9)
  • City of Crown Point. City code says no one may live in a trailer anywhere in the city except in a licensed tourist camp, and no storm or rebuilding exception was found. Ask the Building Department before anyone moves in. Source: City of Crown Point Code of Ordinances (2024 edition), Sec. 95.10
  • Unincorporated Lake County. No official page we could find states a rule. Check with the city or county before delivery.
  • City of Valparaiso. City code allows one trailer on the lot of an occupied home for up to two weeks with a special permit from the County Health Department, with no more than two such permits in 12 months. Otherwise a trailer may not stay anywhere in the city more than 48 hours outside a trailer camp, and no storm or rebuilding exception was found. Ask the Planning Department before anyone moves in. Source: City of Valparaiso Code of Ordinances, Secs. 151.02 and 151.03
  • City of Portage. The zoning code says no one may live, sleep or keep house in a parked recreational vehicle, except that a property owner may let a visitor's RV park on the property for up to 15 days in a row and 30 days a year. No storm or rebuilding exception was found, so ask the Building Department before anyone moves in. Source: City of Portage Code of Ordinances, Sec. 90-6.57(D)
  • Unincorporated Porter County. The county's Unified Development Ordinance says a recreational vehicle, which includes travel trailers, shall not be used as living quarters, and no storm or rebuilding exception was found. Ask the county Building Department before anyone moves in. Source: Porter County Unified Development Ordinance, Chapter 12 Definitions, "Vehicle, Recreational"
  • City of Michigan City. Michigan City uses the LaPorte County joint zoning ordinance, which says travel trailers and camping trailers may not be lived in outside a lawful mobile home park or tourist camp. The same ordinance lets the Building Commissioner place a manufactured home, not a travel trailer, on the lot if a home is burned, under a temporary use permit of up to six months. No storm exception for travel trailers was found, so ask Planning and Zoning before anyone moves in. Source: Michigan City Code of Ordinances, Appendix C (Joint Zoning Ordinance), Sec. 16.08(f) and Sec. 14.01(a)(3)
  • City of La Porte. La Porte uses the LaPorte County joint zoning ordinance, which says travel trailers and camping trailers may not be lived in outside a lawful mobile home park or tourist camp. City code separately bars keeping a trailer anywhere in the city more than 48 hours outside a trailer camp, and no storm or rebuilding exception was found. Ask Community Development and Planning before anyone moves in. Source: 2017 Joint Zoning Ordinance for the City of La Porte, Sec. 16.08(f); La Porte Municipal Code Sec. 66-34
  • Unincorporated LaPorte County. The county's joint zoning ordinance says travel trailers and camping trailers may not be lived in outside a lawful mobile home park or tourist camp. The same ordinance lets the Building Commissioner place a manufactured home, not a travel trailer, on the lot if a home is burned, under a temporary use permit of up to six months. No storm exception for travel trailers was found, so ask the County Planner or Building Department before anyone moves in. Source: LaPorte County Joint Zoning Ordinance, Article 16, Sec. 16.08(f) (page 16-5), and Article 14, Sec. 14.01

Where your city or county does not allow a trailer on the lot, ask its planning office what it does allow during repairs. The LaPorte County joint ordinance, for one, lets the Building Commissioner place a manufactured home on the lot of a burned home for up to six months; it does not cover a travel trailer or storm damage.

If insurance may pay for your housing

That depends on your policy and your adjuster. When a carrier approves the trailer, we can bill the carrier directly, so you are not fronting the cost. Our parent brand explains the claim side on 1st Choice Living’s Northwest Indiana page. Once the placement is arranged, the trailer, delivery, and service are ours.

Repairs that run into winter

Every size arrives furnished, with real beds, a full kitchen, a bathroom with a shower, and heat and air conditioning. If the work on the house runs into the cold months, read winter care and freeze protection before the first hard freeze. More on a trailer on your property while you rebuild.

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 Temporary RV Living, or with our parent brand, 1st Choice Living, for a trailer on your own lot in Lake, Porter, and LaPorte counties. They send us the placement, and we deliver, set up, and service the trailer.

Crew trailers on a job site in Lake, Porter, and LaPorte counties

For restoration, roofing, tree, utility, and response crews working in Gary, Hammond, Merrillville, Crown Point, Valparaiso, Portage, Michigan City, La Porte, and rural Lake, Porter, and LaPorte counties. Bring the housing to the work. We deliver travel trailers to the site, or as close as the ground allows, and set up and connect them the same way we do in a driveway. A two-person crew fits one trailer. A full crew takes a cluster, and the Workforce Bunkhouse sleeps six or more per trailer, with a kitchen and a bathroom the crew shares. One point of contact runs the placement, it lands on one invoice billed directly to the company, and we handle the LOA, COI, and compliance paperwork your office or your client requires.

What the local codes say about trailers on a job site

  • City of Gary. No official page we could find states a rule. Check with the city or county before delivery.
  • City of Hammond. The zoning ordinance lets the Zoning Administrator approve a trailer for up to 180 days as an office, security post or construction shelter on a construction project, with an improvement location permit. It does not say anyone may live in it, and recreational trailers may not be used for living or sleeping in any location not approved for that use. Ask the Zoning Division first. Source: City of Hammond Zoning Ordinance No. 8514, Secs. 20.70.05 and 20.50.02
  • Town of Merrillville. The zoning code allows construction trailers as temporary buildings with an improvement location permit for up to two years, renewable for one more year. It does not say workers may live in them, and in residential zones motor homes and recreational trailers may not be used as dwellings. Ask the Planning and Building Department first. Source: Town of Merrillville Code of Ordinances, Sec. 21-16
  • City of Crown Point. City code allows up to two construction trailers per project, used for construction work or emergencies, in business, office, business park and industrial districts for up to 12 months, and longer stays in a residential district need a variance. Separately, no one may live in a trailer anywhere in the city outside a licensed tourist camp. Ask the Building Department first. Source: City of Crown Point Code of Ordinances (2024 edition), Secs. 150.32 and 95.10
  • Unincorporated Lake County. The county planning director may approve construction offices and staging areas as temporary uses while construction is ongoing and permits stay valid. The ordinance does not say workers may live on site, and no rule allowing it was found. Ask the Lake County Plan Commission first. Source: Lake County Unified Development Ordinance No. 2560 (August 2025 printing), Sec. 154-10-030
  • City of Valparaiso. City code bars keeping a trailer used for living or sleeping anywhere in the city more than 48 hours outside a trailer camp, apart from the two-week permit on the lot of an occupied home. No job-site or crew housing exception was found, so ask the Planning Department first. Source: City of Valparaiso Code of Ordinances, Secs. 151.01 and 151.02
  • City of Portage. The zoning code says a recreational vehicle, which includes travel trailers, shall not be used as living quarters, and no crew housing exception was found. Temporary construction sales or office uses are allowed for up to 12 months with a permit in nonresidential districts. Ask the Building Department first. Source: City of Portage Code of Ordinances, Secs. 90-11.2 and 90-6.58
  • Unincorporated Porter County. The county allows contractor offices and equipment storage on or next to a construction site with a one-year Temporary Use Permit, but those structures may not contain sleeping or cooking facilities. The ordinance also says a recreational vehicle shall not be used as living quarters. Ask the Building Department first. Source: Porter County Unified Development Ordinance, Chapter 5, Sec. 5.71 TU-01(E)
  • City of Michigan City. The joint zoning ordinance says travel trailers and camping trailers may not be lived in outside a lawful mobile home park or tourist camp, on any lot. It allows a temporary use permit of up to six months for a manufactured home used as a construction office at a job site, but it does not say workers may sleep in it. Ask Planning and Zoning first. Source: Michigan City Code of Ordinances, Appendix C (Joint Zoning Ordinance), Sec. 16.08(f) and Sec. 14.01(a)(3)
  • City of La Porte. The joint zoning ordinance says travel trailers and camping trailers may not be lived in outside a lawful mobile home park or tourist camp, and city code bars keeping a trailer anywhere in the city more than 48 hours outside a trailer camp. No job-site or crew housing exception was found, so ask Community Development and Planning first. Source: 2017 Joint Zoning Ordinance for the City of La Porte, Sec. 16.08(f); La Porte Municipal Code Sec. 66-34
  • Unincorporated LaPorte County. The joint zoning ordinance says travel trailers and camping trailers may not be lived in outside a lawful mobile home park or tourist camp, on any lot. It allows a temporary use permit of up to six months for a manufactured home used as a construction office at a job site, but it does not say workers may sleep in it. Ask the County Planner or Building Department first. Source: LaPorte County Joint Zoning Ordinance, Article 14, Sec. 14.01 (page 14-2), and Article 16, Sec. 16.08(f)

No code we found in these three counties lets a crew live in trailers on a job site. Ask the planning office for the site before delivery, with the address and how long the crew expects to stay; the trailers can also go on land zoned for them nearby. More on crew housing.

Power, water, and sewer for a trailer in Lake, Porter, and LaPorte counties

Water, sewer or septic, and electrical connections are completed by licensed, insured contractors from our preferred vendor network, so you do not hire an electrician or a plumber. We look at how far the trailer will sit from the water, sewer, and power it will use, and confirm the site with you on the call before the trailer rolls.

Electric service in Lake, Porter, and LaPorte counties comes from the utilities below. Each posts its own outage updates.

Septic: Indiana's residential onsite sewage rule defines a dwelling as any place used for seasonal or permanent habitation or sleeping, and requires a written permit from the local health officer before an existing onsite system is added to or altered. We found no county rule written for hooking a trailer to a home's septic system, so call the county health department before connecting. Source: Indiana Administrative Code 410 IAC 6-8.3 (residential onsite sewage systems)

Permit offices and emergency management in Lake, Porter, and LaPorte counties

Call the office for the city or town where the trailer will sit, or the county or township office outside city limits. Ask whether a travel trailer may be used there, for how long, and which permits the hookups need.

What we need to start

  • The address where the trailer will sit
  • When you need it, and who is moving in: your household, pets included, or the crew head count
  • What the site has: a route in, firm ground close to level, and where the water, sewer or septic, and power are
  • For a company: in the form, choose “I am arranging it for someone else,” then “Employer housing a crew” or “Contractor or restoration”
  • Any approval the city, county, township, or HOA has given, or the office you have been working with

Answer a few questions in the request form and a rep calls you back with a written quote, or call (214) 493-1515.

Questions about trailers in Lake, Porter, and LaPorte counties

Can I live in a travel trailer on my lot in Lake County while my house is repaired?

Not under the codes we found. Hammond and Merrillville bar living or sleeping in a trailer on a residential lot, and Crown Point bars living in a trailer anywhere outside a licensed tourist camp. Gary's new development ordinance and Lake County's ordinance state no RV rule either way, and none of these has a storm or rebuilding exception, so ask the city or county before anyone moves in.

What about Valparaiso and Portage?

Valparaiso allows one trailer on the lot of an occupied home for up to two weeks with a special permit from the county health department, no more than twice in 12 months, and otherwise limits a trailer to 48 hours outside a trailer camp. Portage bars living in a parked RV except a visitor's RV for up to 15 days in a row and 30 days a year. Unincorporated Porter County says an RV shall not be used as living quarters.

Can I put a trailer on my lot in Michigan City or La Porte?

Michigan City, La Porte, and unincorporated LaPorte County share one joint zoning ordinance, which says travel trailers and camping trailers may not be lived in outside a lawful mobile home park or tourist camp. It lets the Building Commissioner place a manufactured home, not a travel trailer, on the lot of a burned home for up to six months. Ask the planning office before anyone moves in.

Can a restoration crew stay in travel trailers on a job site in northwest Indiana?

Not under any code we found. Hammond allows a trailer for up to 180 days as an office, security post, or construction shelter, and Merrillville, Crown Point, and the counties allow construction trailers or offices, but none says workers may live in them, and Porter County says its contractor offices may not contain sleeping facilities. Ask the planning office for the site before delivery.

Do you deliver travel trailers to northwest Indiana?

We deliver, set up, and service trailers nationwide, and have since 2004. Put the address in the request form and we confirm the site with you on the call.

Sources

Official pages and official code hosts, checked October 17, 2026. Rules can change after a storm; the office that wrote the rule has the final word.

  1. Indiana Executive Order 26-21
  2. FEMA, Indiana Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (DR-4933-IN), designated areas
  3. FEMA news release DR-4933-IN NR 05, September 25, 2026
  4. National Weather Service Indianapolis, Record Flooding of August 2026
  5. Indiana Department of Homeland Security
  6. Town of Porter
  7. Lake County Emergency Management and Homeland Security
  8. Town of Merrillville
  9. NIPSCO
  10. Town of Merrillville
  11. City of Hammond Zoning Ordinance No. 8514, Sec. 20.50.02
  12. Town of Merrillville Code of Ordinances, Sec. 21-77(a)(9)
  13. City of Crown Point Code of Ordinances (2024 edition), Sec. 95.10
  14. City of Valparaiso Code of Ordinances, Secs. 151.02 and 151.03
  15. City of Portage Code of Ordinances, Sec. 90-6.57(D)
  16. Porter County Unified Development Ordinance, Chapter 12 Definitions, "Vehicle, Recreational"
  17. Michigan City Code of Ordinances, Appendix C (Joint Zoning Ordinance), Sec. 16.08(f) and Sec. 14.01(a)(3)
  18. 2017 Joint Zoning Ordinance for the City of La Porte, Sec. 16.08(f); La Porte Municipal Code Sec. 66-34
  19. LaPorte County Joint Zoning Ordinance, Article 16, Sec. 16.08(f) (page 16-5), and Article 14, Sec. 14.01
  20. Town of Merrillville Code of Ordinances, Sec. 21-16
  21. Lake County Unified Development Ordinance No. 2560 (August 2025 printing), Sec. 154-10-030
  22. City of Portage Code of Ordinances, Secs. 90-11.2 and 90-6.58
  23. Porter County Unified Development Ordinance, Chapter 5, Sec. 5.71 TU-01(E)
  24. LaPorte County Joint Zoning Ordinance, Article 14, Sec. 14.01 (page 14-2), and Article 16, Sec. 16.08(f)
  25. Indiana Administrative Code 410 IAC 6-8.3 (residential onsite sewage systems)
  26. NIPSCO news, Aug. 15, 2026: NIPSCO and Community Partners Host Storm Community Support Events
  27. Kankakee Valley REMC, Who We Are
A Forest River Wildcat fifth-wheel trailer set up on grass with its slide-outs open and steps down

Tell us where the trailer needs to be

For your family or a crew, answer a few questions and a rep calls you back with a written quote.