I agree with pconroy that right after a disaster isn't the time to be making decisions with longterm consequences. But I'm also guessing you need a place to live, like right now.
I suggest you head someplace that didn't just have a disaster and start looking for a CHEAP but usable trailer. They show in my local craigslist regularly for $1-2k. It won't be pristine but it should work short-term. Meanwhile, you'll have a roof, a kitchen, and a bathroom while you salvage whatever you can from your house and wait for insurance money. More importantly, you'll have the experience of living in whatever trailer you wind up with. Is it big enough? Do you like the setup? What would you rather have arranged differently? What is included that you don't use, and what do you miss?
Eventually, your life will settle down. At that point, you can decide whether your next step will be an RV with the features you and your wife want, a house, apartment, or something else. You should be able to sell the cheap trailer for close to what you paid for it.
