Strengthening Homes, Strengthening Communities
NCIGF is pleased to support programs, building codes, and incentives that help homeowners protect what matters most — from financial grants to insurance discounts for resilience upgrades.
The National Conference of Insurance Guaranty Funds (NCIGF) is pleased to support programs, building codes, and incentives that help homeowners protect what matters most.
If you have an open claim with an insolvent insurer, your primary focus will understandably be on resolving that claim. However, depending on your situation and the stage of repairs, it may also be an opportune time to consider incorporating home hardening measures as part of the rebuilding or repair process. Additionally, certain tax-advantaged accounts or state tax incentives may be available to all homeowners.
Taking steps to strengthen your home through available grants, incentive programs, or financing options can help reduce future risk by minimizing future losses and improve long-term stability. Below, you will find some information on financial incentives, grant programs, and potential tax benefits available in certain states to support home resilience improvements.
Looking for a comprehensive list of incentives by state? Visit the Smart Home America Incentives & Resources Map to find an exhaustive list organized by state.
Home Hardening Programs, Grants & Incentives
| State | Program / Incentive | Type | Description | Learn More |
|---|---|---|---|---|
Alabama |
Strengthen Alabama Homes |
Grant | Grants up to $10,000 for FORTIFIED Roof upgrades |
Learn more |
Alabama |
Catastrophe Savings Account |
Savings Account | Tax-advantaged savings for disaster-related home repair costs |
View PDF |
Florida |
Hurricane Loss Mitigation Retrofit Grant |
Grant | Funding for hurricane-resistant home upgrades |
Apply |
Florida |
My Safe Florida Home Program |
Grant | Grants for mitigation improvements following free home inspection |
Apply |
Georgia |
FORTIFIED Home Program |
Insurance Grant | Insurance credits for wind mitigation (IBHS program recognition) |
Learn more |
Georgia |
Catastrophe Savings Account |
Savings Account | Tax-advantaged savings for disaster-related expenses |
View bill |
Kentucky |
FORTIFIED Grant Programs |
Grant | State-supported FORTIFIED funding programs |
Learn more |
Louisiana |
Louisiana Fortify Homes Program |
Grant | Grants up to $10,000 for FORTIFIED roof upgrades |
Apply |
Maine |
FORTIFIED Grant Programs |
Grant | State-supported FORTIFIED funding programs |
Learn more |
Minnesota |
FORTIFIED Grant Programs |
Grant | State-supported FORTIFIED funding programs |
Learn more |
Mississippi |
Catastrophe Savings Account |
Savings Account | Tax-advantaged savings or money market account for disaster recovery |
Learn more |
N. Carolina |
Strengthen Your Roof Program |
Grant | Grants for FORTIFIED Roof retrofits |
Apply |
Oklahoma |
FORTIFIED Grant Programs |
Grant | State-supported FORTIFIED funding programs |
Learn more |
S. Carolina |
SC Safe Home Mitigation Grant |
Grant | State-supported FORTIFIED funding programs |
Apply |
S. Carolina |
Catastrophe Savings Account |
Savings Account | Tax-free savings for qualified disaster expenses |
Learn more |
Texas |
FHLB Dallas FORTIFIED Grants |
Grant | Regional grants for homeowners and rental housing |
Learn more |
Disclaimer: This list is not comprehensive. NCIGF has not individually evaluated or verified these programs and does not guarantee availability or outcomes. Consumers are encouraged to conduct their own research and due diligence before participating in any program.
Available Insurance Discounts — FORTIFIED Program*
Insurance companies recognize the value of FORTIFIED-designated homes. Below are the discounts currently available in states where FORTIFIED programs are active. Discounts apply to wind premiums and vary by insurer and location.
Most carriers in Alabama offer benchmark discounts on wind premiums for FORTIFIED-designated homes. Three tiers of savings available.
📄 View Discount SheetInland Alabama carriers offer benchmark wind premium discounts for FORTIFIED-designated homes. Three tiers of savings available.
📄 View Discount SheetMany Louisiana carriers offer discounts for FORTIFIED-designated homes. Discounts vary by carrier and designation level.
📄 View Discount SheetMississippi's largest carriers offer wind premium discounts for FORTIFIED Home — Hurricane Gold designated homes.
📄 View Discount SheetNorth Carolina homebuyers can save on wind premiums through FORTIFIED Home designation. Discounts vary by insurer and location.
📄 View Discount SheetOklahoma carriers offer wind and hail premium discounts for FORTIFIED Home — High Wind and Hail Roof designated homes.
📄 View Discount Sheet* Coverages and discounts vary by carrier and are subject to change. Consult with your agent for specific details.
IBHS & FORTIFIED RESOURCES
Learn More About FORTIFIED
🏠FORTIFIED Roof Fact Sheet
Why FORTIFIED goes beyond building codes to improve performance against natural hazards and reduce personal property loss..
🌪️Solutions to the Changing Insurance Landscape
How homeowners can invest in resilience and reduce long-term costs through FORTIFIED designation.
📋Is Your Building Code Leaving You Vulnerable
IBHS research on why standard building codes may leave homes exposed to severe weather events.