You can get "Alaska" pack mobiles, that have way more insulation for the colder climates and the hotter ones too.
Parks around here are family, adults only or seniors, all pay rent for the lot, you do your own yard work, and pay all of the utilities like a standard home. Some have all/part of the other mentioned amnenities, others have none...
Here in Washington state, we rarely get tornadoes, but we do get wind storms that can be 100+ mph, so they have "tie downs" that secure the mobile homes to their foundations. Our main problem is the wind knocking down huge fir trees, so it doesn't matter whether it is a mobile home or standard, the destruction is about the same.
The only downside to a mobile home is they depreciate in value here, and a standard home usually appreciates. But they still can be a very attractive alternative financially.
We also have a lot of houseboat communities along the rivers and on the lakes. They range from older (I would be scared to even walk on the docks lol) to beautiful, huge homes. Some families have lived for generations in houseboats here.
They are starting to make more rules/regs about them, making it more difficult to build marinas or allow people to work on/maintain/or move in new homes... something to do with the Environmental issues.