If you are affected by a federally declared disaster, you may qualify for IRS tax relief. Learn more.
Information for each state can include:
Mitigation Programs, Funding, Additional Resources, and Other Incentives
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).
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 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.
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.
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.
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)
Maryland's Individual Assistance (IA) Program is the state's FEMA based support for individuals who are recovering from a presidentially declared disaster.
Mississippi homeowners can save up to 30% on their insurance by re-roofing or building using FORTIFIED. Some companies now offer higher mitigation credits or insurance reductions.
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.
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)
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.