I've not heard of refugee camps, usually there are temp shelters in places like schools and such. Be careful, I've heard some stories of gear not being welcome (guns, knives) and gear being given to those who need it more than the owner, avoid the shelters as much as you can.
Do you live on the boat? Is it your primary residence? It sounds like it to me. Do you have a car as well, can you trade the car for a small van type of RV? Somehting small enough to drive normally but if something were coming that you had to leave you could drive on past the shelter and camp out.