If you are affected by a federally declared disaster, you may qualify for IRS tax relief. Learn more

Information for each state can include:


Currently, five states offer discounts tied directly to FORTIFIED.
 

Mitigation Programs, Funding, Additional Resources, and Other Incentives


ALABAMA

FORTIFIED Discounts - Alabama homeowners can earn steep discounts by installing a FORTIFIED Roof or building a FORTIFIED home. Savings range from 20-55% off the wind portion of the property owner's insurance. The discounts are now statewide as of January 1, 2018.

Additionally, Alabama provides commercial property owners statewide a discount on insurance rates for building using the FORTIFIED Commerical standard.


Grant program, Strengthen Alabama Homes  - 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 Alabama. Learn More


FORTIFIED Roof endorsement - Many insurers now offer homeowners an endorsement to their homeowners insurance policies, which upgrades their home to an IBHS FORTIFIED Roof if it is damaged and needs to be replaced. Learn more

The Retrofit Tax Deduction provides Alabama residents an opportunity to get a tax break when mitigating their homes or businesses. Upgrade to resist flood damage and using FORTIFIED construction standards can qualify. Homeowners can deduct up to $3,000 or 50% of the cost of the work, whichever is less on their State taxes. Here is the language from the 2019 Alabama Form 40 Booklet (Page 16). Consult a tax advisor or the Alabama Department of Revenue for more information.

Alabama Assistance to Individuals and Households(IHP) provides information about Alabama's FEMA based support for individuals and families in the wake of a Presidentially declared disaster. Through this program, homeowners can find assistance through temporary housing, home repair, and home replacement.


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).



CONNECTICUT


Open Protection insurance discounts  - Connecticut law requires insurers to provide premium discounts to homeowners who show their insurer proof of installation of permanent storm shutters or impact-resistant glass on his or her dwelling as a means of mitigating loss from hurricanes or other severe storms.

The Connecticut Individual Assistance: Individuals and Households Program (IHP) provides information on Connecticut’s FEMA based support program, which offers assistance in temporary housing, home repairs, and other essential needs.


FLORIDA

Florida Administrative Code requires insurance companies in Florida to offer premium discounts for residential properties that installed fixtures or used construction techniques that have been demonstrated to reduce windstorm loss.


The Florida Wind Insurance Savings Calculator can help to calculate insurance savings based on home features, planned upgrades, or added mitigation measures.


Florida’s Hurricane Loss Mitigation Program offers the Hurricane Loss Mitigation Retrofit Grant for residential, commercial, and mobile home properties. The grant funds retrofits, inspections, and construction or modification of building components that are designed to increase the ability of a structure to withstand flooding and hurricane-force winds.


The Florida Property Assessed Clean Energy (PACE) program can provide financing for up to 100% of the costs for resiliency efforts made to residential or commercial property. Property owners repay the financing for the PACE improvements through a special assessment which is added to their property tax bill each year of an agreed-upon term.


Florida’s Individual Assistance (IA) Program is the FEMA based program that provides support to individuals, households, and businesses recovering from the impacts of a Presidentially declared disaster.


GEORGIA

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


Georgia’s Individuals and Households Program (IHP) is the FEMA based program that provides support for temporary housing, home repairs, and other essential needs following a Presidentially declared disaster.


LOUISIANA

The Residential Property Storm Mitigation Incentives brochure outlines insurance premium discounts and tax deductions. Louisiana homeowners qualify for insurance discounts and tax incentives for acting to make their homes stronger, including installing a FORTIFIED Roof.


Homeowners qualify for up to $5,000 in tax deductions, or half the costs of home retrofits, whichever is less. This includes FORTIFIED Roof and other construction retrofits the state of Louisiana recognizes. (Page 7).


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


The Louisiana Citizens Property Insurance Corporation assessment is not a tax credit, it's a refund on property insurance. This refund 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.


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 a disaster.


MARYLAND

The Maryland Insurance Preparedness Guide for Natural Disasters says that 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)

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Maryland's Individual Assistance (IA) Program is the state's FEMA based support for individuals who are recovering from a presidentially declared disaster.


MISSISSIPPI

Mississippi homeowners can save up to 55% on their insurance by re-roofing or building using FORTIFIED. 

The Mississippi Windstorm Underwriting Association (MWUA) also provides a minimum 40% insurance discount on homes that have been constructed and certified under the FORTIFIED for Safer Living program.


A free FORTIFIED Roof endorsement is now available through the Mississippi Windstorm Underwriting Association (MWUA) on eligible and renewing policies. The endorsement applies when a covered claim results in the replacement of 50 percent or more of a roof.


MWUA policies may receive insurance discounts for wind mitigation construction in jurisdictions that have been graded with the Building Code Effectiveness Grading Schedule (BCEGS) for residential and commercial structures.


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


Mississippi’s Individual Assistance (IA) Program provides information on Mississippi’s FEMA based support for individuals following a Presidentially declared disaster. This program can provide individuals with support for temporary housing, home repairs, and other essential needs.


New Jersey

The New Jersey Homeowners Insurance Buyers Guide has information on insurance discounts for permanently installed storm shutters and impact-resistant glass that are in accordance with the manufacturer's specifications on residential properties. (page 11 of the Guide)


NEW YORK

The New York Department of Financial Services outlines that insurers are required by law to offer discounts "any homeowner who has installed hurricane/storm shutters or hurricane resistant laminated glass windows and doors." 


New York's FEMA Individual Assistance (IA) Program that provides assistance for home repairs, temporary housing, and other essential needs following a Presidentially declared disaster.


NORTH CAROLINA

The North Carolina (Wilmington Area) FORTIFIED Insurance Discounts Sheet specifies insurance discounts for FORTIFIED construction in the State and how to qualify. Learn more.


A FORTIFIED Roof endorsement by the North Carolina Insurance Underwriting Association (NCIUA) provides the opportunity to upgrade to FORTIFIED Roof for free if a home is damaged. Other coverages can help homeowners upgrade to a FORTIFIED Roof. Learn more.


The Strengthen Your Roof grant program by the North Carolina Insurance Underwriting Association (NCIUA) will help cover the upgrade to a FORTIFIED Roof if over 50% of your roof has been damaged.

North Carolina’s FEMA Individual Assistance (IA) Program provides support for individuals and families following a Presidentially declared disaster


OKLAHOMA

Oklahoma residents can save up to 42% on their home insurance with the FORTIFIED Home High Wind & Hail standard. 

Oklahoma’s Individual Assistance/Human Services Program provides information on various forms of aid following a Presidentially declared disaster. This includes Oklahoma’s FEMA based Individuals and Households (IHP) that provides support to individuals through home repairs, temporary housing, and other essential needs.


RHODE ISLAND

Wave your hurricane deductible - The Rhode Island Property Insurance and Weather-Related Claims Bulletin shows that if a 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.


Rhode Island’s Individual Assistance (IA) Program provides information on FEMA based support to individuals recovering from a Presidentially declared disaster.


SOUTH CAROLINA

In South Carolina, 17 insurers offer discounts for FORTIFIED and other qualifying mitigation measures according to a 2016 survey. Homeowners can save up to 25% off their insurance by mitigating their home. This includes building to FORTIFIED standards. This South Carolina Department of Insurance Bulletin explains the Insurance Discounts.


The South Carolina Safe Home grant program provides up to $5,000 to homeowners to assist in strengthening their homes. The program is administered by the South Carolina Department of Insurance and is designed to make properties more resistant to hurricane and high-wind damage. Individuals can receive up to $5,000 in grant awards for mitigation, which includes FORTIFIED Roof.



Residents of South Carolina can qualify for a tax credit based on the cost to mitigate their home against natural catastrophes. The tax credit is based on the cost to retrofit a home to "make it more resistant to loss due to hurricane, rising floodwater, or other catastrophic windstorm event."

Homeowners who pay more than 5% of their incomes towards insurance coverage on their legal residences can receive a tax credit on their state income taxes.


A catastrophe savings account can save money on South Carolina taxes. Learn more from the South Carolina Department of Insurance.


South Carolina’s Individual Assistance(IA) provides information on South Carolina's FEMA based support following 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 a disaster.


TEXAS

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


TDI WPI-8. 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).


Texas Homeowner's Handbook to Prepare for Coastal Natural Hazards is a guidebook to help homeowners withstand storms and other damage. Pages 35-57 share ways that homeowners can prepare and mitigate their homes against damage from natural disasters. Pages 59-66 offer information on insurance as well as state and federal assistance.


The Texas Homeowner Assistance Program is designed to help homeowners affected by Hurricane Harvey repair and rebuild their homes. This provides homeowner assistance through repairing and rehabilitating homes, reconstruction, improving a damaged home so that it is stronger against natural disasters, elevating homes above flood level, and temporary relocation assistance.

Texas’ FEMA based Individual Assistance support for individuals and families following a Presidentially declared disaster.

Additional Funding Options

Other programs can help pay to upgrade your home to FORTIFIED Roof. Federal, state and local options exist.

Find Funding