Who funds a stronger home.

Alabama Dept. of Insurance

FORTIFIED Roof

Direct to contractor

First come, first served, in quarterly portal openings

Confirmed 2026 openings: Mobile and Baldwin counties. The program site has elsewhere referenced additional counties; only the confirmed openings are recorded here.

Funded by the Alabama insurance industry, not the state general fund. Act 2022-147 permits transfer of up to 50% of the Insurance Department Fund annual appropriation; roughly $10M per year cited by NAIC (2023).

$86 million invested and 8,700+ homes retrofitted since 2016.

Regulation 482-1-159 was updated effective January 1, 2026, covering eligibility, the application process, contractor and evaluator requirements, and conflict-of-interest rules. Post-award deadlines are tight: 7 days to submit documentation, 7 days to select an evaluator, then three contractor bids.

Ala. Code Title 27 Ch. 31D; ALDOI Bulletin 2016-07 benchmarks the hurricane portion at 35–60% and other wind at 20–35% by zone. Insurer actuals commonly run Roof 25–35%, Silver 35–45%, Gold 45–55%.

State income tax deduction of the lesser of 50% of cost or $3,000 (Ala. Code §40-18-15.5). A deduction, not a credit.

Louisiana Dept. of Insurance

FORTIFIED Roof, full roof-cover replacement required

Direct to contractor

True lottery: random selection with equal odds regardless of when you register in the window

Roughly 23–25 coastal parishes. The June 2026 round added Acadia, Jefferson Davis and Lafayette, plus expanded areas in Ascension, Calcasieu, Iberia, Livingston, St. Martin, St. Tammany, Tangipahoa and Vermilion.

$45M for FY2024–2025 per LDI and the Legislative Auditor. For 2026: $30M in the 2026-27 state budget plus $50M via House Bill 1187, $80M combined, expected to fund roughly 5,000 additional grants.

About 4,900 grants issued by mid-2026 with roughly 3,000 more pending; projected 13,000 residences strengthened by end of 2026. Louisiana FORTIFIED certificates rose from 313 (Jan 2023) to 5,413 (Feb 2025).

Demand far exceeds supply: 34,000+ registrants with only about 20% funded, and one round drew about 10,400 registrants for 2,000 grants. More than 2,500 selected winners later withdrew because they could not cover the gap between the $10,000 grant and a $16,000–$17,000 roof. An award that stops short of the full job is an award many households cannot use.

La. R.S. 22:1483.1 (Act 533) requires actuarially justified discounts. Regulation 136 sets mandatory benchmarks effective January 1, 2027: North 16/20/24%, Central 27/35/42%, South 29/43/49% for Roof/Silver/Gold. Measured reality across 40+ insurers ranges from 1–5% to 40–54% for the same designation.

State tax deduction up to $5,000, or 50% of cost if lower, for retrofitting to updated codes.

Oklahoma Insurance Dept.

FORTIFIED Roof, High Wind with the Hail Supplement

Direct to contractor

First come, first served as funding allows

All 77 Oklahoma counties since January 12, 2026 (previously a zip-code-limited pilot).

Funded by the Oklahoma insurance industry, not the state general budget. Reported cap of $10 million annually.

400+ FORTIFIED roofs certified and $4M+ invested as of July 2026, up from 100+ homeowners in the pilot through December 2025.

The flagship hail-focused FORTIFIED program. HB 1720 (2017) made FORTIFIED High Wind and Hail the state mitigation standard. OID reports participants save an average of $750 a year on premiums. An income tier split at $62,138 appears on the program page, but what it changes is not documented anywhere found; flagged, not modeled.

Wind and hail portion, reported 3–42%.

Kentucky Dept. of Insurance

FORTIFIED Roof

Direct to contractor

First come, first served

Statewide, with no county restriction.

House Bill 256 (April 2024) appropriated $5 million.

Launched March 1, 2026; 150+ applications within roughly two weeks.

At $5M against $10,000 awards the program can fund at most about 500 homes, the smallest funded program in the active set, and therefore the one where queue management matters most.

HB 256 requires mandatory actuarially justified premium discounts for IBHS FORTIFIED homes plus a FORTIFIED Roof endorsement and a claim-time upgrade option, effective March 1, 2026. No percentages published.

South Carolina Dept. of Insurance

The Resilient Mitigation award requires work meeting the IBHS FORTIFIED Roof standard; other tiers are wind-mitigation

Not stated in published materials

First come, first served until funds are exhausted

11 designated coastal counties by administrative rule (the statute itself contains no coastal restriction).

Premium taxes owed by the SC Wind and Hail Underwriting Association plus 1% of premium taxes collected annually.

Through January 2025, 7,992 homeowners received $39 million, with reported premium savings up to 24%.

Award caps: Resilient Mitigation $7,500 non-matching / $6,000 matching; Sustainable Mitigation $5,000 / $4,000; shutters $3,000 / $3,000. The 2026 portal opened February 10 and exhausted funding by June 2, then reopened July 13, 2026. A FORTIFIED designation is not required program-wide; it is the top tier only.

No mandate statute located; 17 insurers offer voluntary discounts, roughly 10–35% and in some cases above 50%.

Income tax credit of 25% of costs or $1,000, whichever is less (§12-6-3660), plus up to $1,500 credit for state sales/use taxes (§12-6-3665); premium tax credit up to $1,250 where insurance exceeds 5% of income.

North Carolina Insurance Underwriting Association (NCIUA), not a state agency

FORTIFIED Home with new roof cover

Reimbursement to the homeowner, the only program of its kind structured this way

First come, first served

Strengthen Your Roof, $10,000, covers rating territories 110 and 120 (Outer Banks and barrier islands); Strengthen Your Coastal Roof, $6,000, covers territories 130–160 (the remaining 18 coastal counties).

NCIUA reserves and operations, with explicitly no federal, state or local subsidies. $20M allocated May 2025 and a further $20M in February 2026.

18,000+ policyholders assisted and $120M+ invested since 2016; 20,574 homes with FORTIFIED roofs completed or in process.

The reimbursement mechanics are the key constraint: the homeowner must pay the contractor in full up front and is repaid after submitting the IBHS certification, final invoice and a W-9. The front money decides who can participate. NCIUA’s Cape Lookout Re catastrophe bond returns $2 million annually for homeowner roof grants in loss-free years, the first cat bond structurally linked to resilience incentives.

Credits exist in beach and coastal territories; NCDOI publishes no percentages. NAIC cites 6–19% in the Wilmington area. NCIUA also offers a free endorsement providing up to $5,000 extra coverage to upgrade to FORTIFIED after a covered claim.

California Residential Mitigation Program, a joint powers authority of the California Earthquake Authority and Cal OES

Cripple wall bracing, foundation bolting and water-heater strapping to California Existing Building Code Chapter A3 (or an approved standard plan set), aligned with FEMA P-1100

Reimbursement, paid after final inspection, typically within four weeks of final approval. A Payment Authorization Form lets the homeowner direct the payment, so it is assignable, but the default posture is that the homeowner fronts the entire cost.

True lottery: a time-boxed registration window, random selection, then waitlist drawdown over subsequent months

Eligible ZIP Codes only: over 1,100 statewide as of August 2025, including 303 added that year.

Over $100 million provided to date across CRMP programs. One 2025 round offered more than $20 million against roughly 19,000 registrants in the prior round, about 3:1 oversubscription.

More than 39,500 retrofits completed to date, from a 2013 launch.

Three structural differences from every FORTIFIED program. First, there is no third-party designation: compliance is established solely by a local building permit issued after acceptance and signed off by the building inspector at final inspection. There is no certificate, registry or expiring credential. Second, the money is a reimbursement paid after completion, so the homeowner must front the whole job. Third, selection is a genuine lottery with a waitlist. Supplemental awards for income-eligible households: Northern California $7,000 brace+bolt / $2,800 bolt-only; Southern California $2,650 / $1,125. Income-eligible applicants may claim up to $250 of bid costs and full permit costs in advance. Sources conflict on whether $7,000 is a component on top of the $3,000 base or the combined ceiling; verify with CRMP before relying on it.

California Earthquake Authority premium discount, by construction era and foundation: raised foundation 25% (built 1939 or earlier) / 20% (1940–1979); other non-slab foundations 15% / 10%. Mobilehomes 21% with an HCD-certified bracing system. Claimed by submitting a CEA Dwelling Retrofit Verification (DRV) form completed by a contractor or structural engineer. The water heater must also be secured.

Florida Dept. of Financial Services

Not a FORTIFIED program: built on Florida’s own hurricane mitigation inspection framework and the Florida Building Code

Not clearly stated in published materials

Statutory priority queue by income and age

Statewide.

$150M (2022); $100M + $181M (2023); $100M (2024); $280M (2025); $405M+ reappropriated in the Memorial Day 2026 budget across MSFH and the Condo Pilot.

21,000+ grants awarded and 30,000+ inspections completed in 2022–2023; roughly 45,000 homeowners with completed wind-mitigation inspections were awaiting disbursement as of mid-2026.

An important correction: Fla. Stat. §215.5586 never mentions IBHS or FORTIFIED. Widely circulated secondary sources describing MSFH as a FORTIFIED program are wrong. Funded improvements are opening protection, roof-deck attachment, roof-to-wall connections and secondary water resistance. No FORTIFIED evaluator is involved.

Mississippi Insurance Dept.

FORTIFIED Roof

Direct to contractor

Interest form and administered selection, not a lottery

Currently Hancock, Harrison and Jackson counties only. Expansion to Pearl River, Stone and George is contingent on those counties adopting codes meeting or exceeding FORTIFIED.

SB 2409 (2026 Regular Session), effective July 1, 2026: statewide authority funded up to $15 million from insurance agent licensing fees. Smart Home America cites roughly $16 million annually; the conflict is unresolved and both figures are shown.

Early rollout; no published cumulative figures.

Status is characterized inconsistently: MID shows interest forms open under narrow criteria while Smart Home America’s tracker lists the program as paused or closed. Best read: an early, limited rollout, not a general open application. MWUA separately offers a free FORTIFIED Roof endorsement when a covered claim requires replacing 50% or more of the roof.

MS SB 2709 (2020), statewide wind portion, reported 12–55%.

California Wildfire Mitigation Program Authority, a joint powers agreement of Cal OES, CAL FIRE and the Department of Insurance

Structure hardening and home retrofit plus vegetation management, including the state-mandated 100 feet of defensible space

Direct payment to contractors

Needs-based: targeted at high-wildfire-risk homes in highly socially-vulnerable communities. Local implementing agencies conduct outreach, take applications and complete home assessments

Six pilot counties: Lake, San Diego, Shasta, Siskiyou, El Dorado and Tuolumne.

Budget Act 2020 $21.9M; FEMA Hazard Mitigation Grant Program $95M; state match $13M. County awards: El Dorado $24.9M, San Diego $23.5M, Shasta $23.5M, Lake $22.2M, Tuolumne $19.7M, Siskiyou $3.6M.

As of March 2026: 137 homes completed, 18 in progress, 546 active applications out of 1,125 total.

Execution is the binding constraint, not funding. As of March 2026 only 9.87% of awards, $11.6M of $117.4M, had actually been paid, against 137 completed homes. The money exists; the pipeline from application to paid contractor does not yet move.

“Safer from Wildfires” (California Department of Insurance) requires insurers to file rates recognizing ten mitigation actions across three layers: structure, immediate surroundings, and community. Recognition is mandated; the magnitude is not fixed, and filed discounts range roughly 4–40%, with the largest going to the highest-risk homes. Separately, IBHS Wildfire Prepared Home designations are recognized by several major California carriers and affect availability, not only price.

Maine Bureau of Insurance

IBHS-standard roof replacement (not shingle repair)

To be determined

To be determined

York, Cumberland, Kennebec and Penobscot counties.

One-time $15 million allocation from the Bureau’s surplus of licensing fees.

Launching summer 2026; currently recruiting certified roofers and inspectors. A flood phase is planned for roughly 2027.

The income-indexed award, $15,000 against $10,000, is the most equity-forward design in the national set and directly answers the withdrawal problem seen in Louisiana.

Minnesota Dept. of Commerce

FORTIFIED roof replacement for high wind and hail

To be determined

To be determined

Crow Wing, Hennepin, Morrison and Todd counties.

Laws 2023 Ch. 60 appropriated $1 million in planning funds.

Not accepting applications as of July 1, 2026 while Commerce builds contractor and evaluator networks. Launch anticipated early 2027; retroactive applications will not be considered.

The award range of $10,000–$15,000 is the Department’s own projection and may not cover full cost. Secondary sources give conflicting figures; the mn.gov projection is used and labeled as such.

Actuarially justified discounts required for IBHS FORTIFIED properties with the Hail Supplement; no percentages published.

DORA Enterprise

FORTIFIED roof (hail); grants cover the incremental upgrade cost

To be determined by the board

To be determined by the board

To be determined by the board.

SB26-155 (2026) creates an Enterprise funded by a 0.5% fee on insurers operating in Colorado, with at least 85% of revenue directed to grants. Expected first-year revenue $30.2 million.

Not yet operational. A seven-member board is expected by end of 2026; earliest grant distribution 2027.

Projected awards of $7,500–$10,000 against an estimated $3,000–$5,000 FORTIFIED premium on a 2,000 sq ft home. A separate 2025 Colorado law requires all insurers to provide mitigation discounts, in full effect October 2026.

Mitigation discounts required (not FORTIFIED-specific); no percentages published.

To be announced

To be determined

To be determined

To be determined

To be determined.

Not published.

In development.

The FHLB Dallas FORTIFIED Fund is available in Arkansas today: up to $15,000 for roof replacement on an existing home or $7,500 toward a FORTIFIED Roof on new construction (also available in LA, MS, NM and TX).

FORTIFIED-based if enacted

Proposed only.

Available in Texas today: the FHLB Dallas FORTIFIED Fund (up to $15,000 existing / $7,500 new construction). TWIA and select insurers offer FORTIFIED discounts. Effective April 1, 2026 all TDI Windstorm Certificate of Compliance applications must comply with the 2024 IRC/IBC to maintain TWIA eligibility in designated coastal counties.

TWIA and select insurers offer FORTIFIED discounts.

O.C.G.A. §33-32-11 (2024 Ga. Laws 476) requires insurers to discount premiums for property certified to IBHS FORTIFIED standards as adopted January 1, 2023, certified by an IBHS-certified evaluator, applied to wind coverage. The Georgia Underwriting Association offers 5–10%. A Catastrophe Savings Account (HB 511) allows up to $25,000 a year deductible from Georgia income tax effective January 1, 2026.

Wind coverage only; GUA 5–10%.

Catastrophe Savings Account, up to $25,000 a year deductible.

Puerto Rico housing retrofit funding runs through CDBG-DR, notably the R3 (Home Repair, Reconstruction or Relocation) Program and ReSURge. These are HUD disaster-recovery programs, not FORTIFIED programs, and PRDOH has reported reaching maximum application capacity for R3.

Recorded as no program.