Colorado faces growing threats from wildfires, floods, droughts, hail, and tornadoes, which endanger communities and infrastructure. However, the state counters these threats with focused efforts, such as the Wildfire Resilient Homes Grant Program and the State Hazard Mitigation Plan, to enhance safety and resilience.

Grant Programs

Mitigation grant programs provide homeowners with funds to enhance their homes' resilience against storms and other natural hazards, such as wildfires and floods.

  • Strengthen Colorado Homes Program: Coming Soon. SB 26-155 passed the Colorado legislature on May 13, 2026 and was sent to the Governor on May 20, 2026. If signed, the program will provide grants for hail-resistant roof retrofits on owner-occupied primary residences, prioritized by income, roof age, home size, and weather susceptibility. Funded by a 0.5% annual fee on homeowners insurance premiums beginning in 2027. Insurers will be required to demonstrate that savings from resilient roof systems are passed through to policyholders as premium discounts. More Details.
  • Wildfire Partners Rebate Program - Offers rebates of up to $500 for property owners who complete defensible space actions, such as vent screening, roof upgrades, and non-combustible zones. Need-based assistance is available for low-income participants. More Details.
  • Central Colorado Wildfire Mitigation Program - Cost-share funding for mechanical thinning and fuels reduction on private lands in Chaffee and Lake Counties. More Details.
  • Delta County WRWC Vegetation Management Cost-Share Program - Reimburses up to 75% of costs for creating defensible space, tree thinning, and vegetation management on private properties. More Details.
  • Douglas County Wildfire Mitigation Cost-Share Program - Covers up to 50% of costs for wildfire mitigation on residential properties. Applications open annually. More Details.

Mitigation Insurance and Tax Incentives

Property owners, residents, and businesses can receive insurance discounts and tax breaks to build stronger to better withstand damage from natural hazards.

  • Wildfire Mitigation Measures Subtraction - Colorado landowners with property located in a wildland-urban interface may receive a tax credit of up to $2,500 for the costs of wildfire mitigation work. More Details
  • State Income Tax Credit: up to 25% of costs, maximum $625, for wildfire mitigation expenses like defensible space and home hardening on private properties; applicable for the 2025 tax year. More Details
  • FHLB Topeka Affordable Housing Program (AHP): The Federal Home Loan Bank of Topeka's Affordable Housing Program provides competitive grants to member institutions for affordable housing initiatives, offering extra scoring points for FORTIFIED construction to boost storm resilience in homeownership and rental projects. More Details

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Funding to Help Rebuild or Re-Roof

These federal and mortgage-backed programs may provide financing for disaster recovery, home repairs, energy upgrades, and rehabilitation, supporting homeowners, renters, and small businesses, particularly for those with low incomes or who are affected by disasters.

Small Business Administration Loans - Those affected by a disaster can rebuild stronger by increasing their SBA disaster assistance loan up to 20% of the verified physical damage to make mitigation improvements. There is no cost to apply, and you are under no obligation to accept a loan if approved.

  • Generally, borrowers have two years after loan approval to request an increase for higher rebuilding costs, code-required upgrades, or mitigation.
  • Call (800) 659-2955 and ask about increasing your loan for mitigation purposes, or visit sba.gov/disaster for more information.

Fannie Mae HomeStyle Renovation Loans - A mortgage that provides a simple and flexible way for borrowers to renovate or make home repairs with a conventional first mortgage, rather than a second mortgage, home equity line of credit, or other more costly methods of financing.​

Fannie Mae HomeStyle Energy Loans - A mortgage that helps lenders offer financing for homeowners to increase home energy efficiency and reduce utility costs.

  • Both HomeStyle Renovation and HomeStyle Energy mortgages may be combined with a HomeReady® mortgage so that low-income borrowers can take advantage of flexible features and additional savings.

USDA- Single Family Housing Repair Loans & Grants - A loan program providing loans to very-low-income homeowners to repair, improve, or modernize their homes. Grants are also available for very-low-income elderly homeowners to remove health and safety hazards.

HUD 203(k) Loans - A loan program for rehabilitating and repairing single-family properties, allowing homebuyers and homeowners to finance both the purchase or refinancing of a house and the cost of its rehabilitation through a single mortgage, or to finance the rehabilitation of their existing home.

  • The 203(k) program permits homebuyers and homeowners to finance up to $35,000 into their mortgage to repair, improve, or upgrade their homes.

HUD Mortgage Insurance for Disaster Victims - 203 (h) - Loan program for renters or homeowners if their homes are located in an area designated by the President as a disaster area and were destroyed or damaged to such an extent that reconstruction or replacement is necessary. These loans may be used to finance the purchase or reconstruction of a one-family home that will be the homeowner's principal residence.

  • The borrower must submit their application to an FHA-approved lending institution within one year of the President's disaster declaration.

Resilience Policy and Legislation

Legislation and regulation are tools used to encourage and incentivize building to higher standards, thereby reducing losses and costs for property owners and residents.

  • CO 2026 SB 26-155 (Strengthen Colorado Homes Enterprise): Creates the Strengthen Colorado Homes Enterprise within the Division of Insurance. Funded by a 0.5% annual fee on homeowners insurance premiums beginning in 2027, the enterprise will provide grants for hail-resistant roof retrofits on owner-occupied primary residences. Requires insurers to report annually on hail-resistant roof discounts and claims data. Passed the legislature May 13, 2026; sent to the Governor May 20, 2026. Awaiting Governor signature. More Details.
  • CO 2025 HB 1182: Promotes transparency in wildfire risk assessment for insurance, offering mitigation discounts. More Details.
  • HB 24-1091: Ensures homeowners can install fire-resistant building materials on their property. Allows homeowners' associations to set reasonable guidelines for appearance when used for fencing. More Details.

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