Map - Insurance Discounts, Tax Savings & More

Building FORTIFIED qualifies for insurance discounts and tax write-offs in certain states. We list funding and other incentives for strengthening your home too!

This map or links below show the FORTIFIED insurance discounts, tax credits, deductions, resources and funding available in many states. Contact us if you have any questions or know of discounts not listed. We are here to share the best information.

We continue to research insurance discounts and incentive programs available for home mitigation. Last update 6-2017. If you have questions, comments or suggestions, please contact us.

If you were affected by a federally declared disaster, you may qualify for tax relief by the IRS. Learn more here. Qualifying FEMA disaster relief payments can be excluded from your taxable income. Contact you tax advisor.

Looking for additional funding opportunities? Find them here. 

Information for each state can include:


FORTIFIED Currently, four states offer discounts tied directly to FORTIFIED. Oklahoma passed House Bill 1720 May 2017 allowing discounts for FORTIFIED construction to go into effect April 2018. Additionally, South Carolina mandates discounts for mitigations measures taken by homeowners, and according to a 2016 survey, 17 insurers offer discounts for FORTIFIED.
 


Mitigation Programs and Other Incentives
 


Additional Resources
 


Funding Opportunities
 


LIST OF DISCOUNTS AND INCENTIVES


ALABAMA


FORTIFIED Discounts - The Alabama FORTIFIED Insurance Discounts Sheet specifies insurance discounts for FORTIFIED construction in Mobile and Baldwin County, from 20-50% off.  The discounts will go state-wide beginning January 1, 2018. 



Strengthen Alabama Homes Grant program- Now taking applications. Provides grants up to $10,000 to owners of existing homes to upgrade them to the FORTIFIED standard. No income limits or tests. Open to all residents with primary residence in Mobile and Baldwin Counties in Alabama.


Additional Resources - Catastrophe Savings Accounts can be set up at any bank and must be labeled for use as a catastrophe savings account by the account owner (not the bank). 

The Retrofit Tax Deduction provides residents an opportunity to get a tax break when mitigating their homes or businesses. you can deduct up to $3,000 or 50% of the cost of the work, whichever is less on your State taxes. Here is the actual language from 2016 Alabama Form 40 Booklet (Page 16).

 

FLORIDA


Mitigation Programs and Other Incentives- Florida Wind Insurance Savings Calculator provides homeowners a way to calculate insurance savings based on home features or planned upgrades or added mitigation measures.

 

GEORGIA


FORTIFIED Discounts - Georgia Underwriting Association Mitigation Program specifies insurance discounts for FORTIFIED construction the State and how to qualify.

 

LOUISIANA


Mitigation Programs and Other Incentives- Louisiana Residential Property Storm Mitigation Incentives Insurance premium discounts when a homeowner builds or retro ts a structure to comply with the Louisiana State Uniform Construction Code, or installs mitigation improvements demonstrated to reduce the amount of loss from a windstorm or hurricane. Tax deductions for voluntarily retrofitting an existing residential structure to bring it into compliance with the new building code. Exclusions from local sales and use tax when purchasing storm shutter devices for hurricane protection.

Tax Credits- Homeowners can save up to $5,000 or half the costs of home retrofits, whichever is less. This includes FORTIFIED and other construction retrofits the state of Louisiana recognizes. (Page 7).

Compare Insurance Rates- Louisiana Homeowners Rate Comparison Guide can help you compare homeowners insurance rates among companies based on various examples, including mitigation.

The Louisiana Citizens assessment- This is not a tax credit, it's a refund on your property insurance. The Louisiana Citizens Property Insurance Corporation assessment is paid as part of the property insurance bill each year by property owners to cover the costs of damages from hurricanes Katrina. If you paid this with your premium, the amount is listed on your policy's declarations page and is partially refundable once it is paid.


Funding Opportunities for Homeowners- The Louisiana Individual Assistance (IA) Grant Program provides information of Louisiana's FEMA based support for individuals and families in the wake of a Presidentially declared disaster. From grants that provide for special and personal needs, to temporary housing to helping with U.S. Small Business Administration (SBA) loans and more, the FEMA Individual Assistance (IA) Program is an important resource for community members recovering from disaster.


MARYLAND


Mitigation Programs and Other Incentives- The Maryland Insurance Administration INSURANCE PREPAREDNESS GUIDE FOR NATURAL DISASTERS For all homeowner policies issued, delivered or renewed on or after June 1, 2009, insurers are required by law to offer a discount to policyholders who submit proof to the insurance company that they completed qualified mitigation actions or other repairs or improvements that materially mitigate loss from a hurricane or other storm otherwise covered under the policy. (page 2 of Guide) 

 

MISSISSIPPI


FORTIFIED Discounts - Mississippi Department of Insurance Mitigation Program provides FORTIFIED discounts ranging from 17-30% currently and can vary by company. Some companies offer higher discounts. 

 

NEW YORK


Mitigation Programs and Other Incentives- New York Department of Financial Services Homeowners & Tenants Insurance - Managing and Mitigating Losses Insurers are required by law to offer discounts to any homeowner who installs hurricane/storm shutters or hurricane resistant laminated glass windows and doors.

 

NORTH CAROLINA


FORTIFIED Discounts -  North Carolina (Wilmington Area) FORTIFIED Insurance Discounts Sheet Specifies insurance discounts for FORTIFIED construction in the State and how to qualify.


OKLAHOMA


FORTIFIED Discounts- Oklahoma House Bill 1720 (Effective April 2018) establishes the FORTIFIED Home High Wind & Hail standard as the state mitigation standard and allows insurance companies to set actuarially sound rate discounts for homes that are certified to meet the FORTIFIED standard to qualify for the insurance discounts. It also opens the door for other building standards to qualify for insurance discounts only if the meet or exceed the standards of the FORTIFIED Home High Wind & Hail standard. 

 

RHODE ISLAND


Mitigation Programs and Other Incentives- Rhode Island Property Insurance and Weather-Related Claims Bulletin  If an insurer homeowner installs specified mitigation measures, the policy must provide that upon installation and use of such mitigation measure, subject to inspection by the insurer and/or submission of satisfactory proof of installation, the hurricane deductible applicable to the policy shall be waived.

 

SOUTH CAROLINA


Mitigation Programs and Other Incentives- South Carolina mandates discounts for mitigations measures taken by homeowners, and according to a recent survey, *17 insurers offer discounts for building to the FORTIFIED standard. IGNORE the last column "Max Mitigation Credits Available", insurers will cap the credits at some point and each will vary, of course.

South Carolina Safe Home program is administered by the South Carolina Department of Insurance and provides grant money to individual homeowners to make their property more resistant to hurricane and high-wind damage.

Residents of South Carolina qualify for a tax credit based on the cost to mitigate their home against natural catastrophes. There are also incentives for opening a catastrophe savings accounts. Learn more from the South Carolina Department of Insurance.

Homeowners can save up to 25% off their insurance by taking measures to mitigate their home, including by building to FORTIFIED standards. This South Carolina Department of Insurance Bulletin Explaining Insurance Discounts Enabling Legislation

 

TEXAS


Mitigation Programs and Other Incentives- Homes with a FORTIFIED designation will qualify for insurance discounts through the Texas Windstorm Insurance Association (TWIA) and many other insurance companies. FORTIFIED can also qualify for many other discounts such as opening protection, wind resistant construction, secondary water barrier. Contact your insurer and shop your insurance. 

All homes in certain areas of Coastal Texas must undergo an inspection to qualify for any insurance from TWIA. Learn more  about the Texas Department of Insurance Windstorm (TWIA) Inspection Program with their FAQs To qualify for windstorm and hail insurance coverage through TWIA, new structures, alterations, additions, or repairs to existing structures, including re-roofs or roof repairs, located in the designated catastrophe areas must be constructed and inspected according to the building specifications adopted by the Texas Department of Insurance (TDI).

Get the Right Insurance

Do you have enough coverage? Is Law and Ordinance included? How about Flood Insurance? Life changes, so should your insurance. The cheapest policy will not make you whole.