This bill directs the Secretary of Housing and Urban Development to commission an independent, third-party study within 90 days of enactment. The study's primary objective is to evaluate the performance of manufactured homes, built to current federal standards, when located in "high risk areas" susceptible to natural hazards and extreme weather events like floods, wildfires, and hurricanes. "Performance" is defined as the home's ability to keep occupants safe and reasonably withstand these events over time, aiming to inform future updates to the Federal Manufactured Home Construction and Safety Standards. The research will focus on several key areas, including establishing clear, data-driven criteria for identifying high-risk areas and evaluating existing data on manufactured home performance. It will also identify potential improvements to building materials, design, construction, and installation standards, while assessing the effects of these enhancements on the cost and affordability of manufactured homes. Within 180 days, the Secretary must submit a comprehensive report to Congress, detailing the study's findings, proposing recommendations for legislative or regulatory changes, and outlining a strategy for improving data collection on manufactured home performance during and after natural hazard events.