Roof grant & insurance-savings tracker — 13 active programs, all 50 states checked

Find out if your state pays you to storm-proof your roof.

Several states now offer grants, tax credits, or require insurers to discount your premium for a wind- or hail-resistant roof. We track which ones, how much, and how to apply — sourced directly from the state program.

Active & proposed programs

States with roof grant or insurance-discount programs

We verify every figure against the official program page or state insurance department before publishing it — see our methodology for sourcing on each state. Prefer a sortable table? See all states at once.

Live program Alabama Up to $10,000 Strengthen Alabama Homes — running since 2011 Proposed Texas Rate mandate + $400M proposed TDI directive (Aug 2026) + proposed Texas Roof Fortification Program Live program Florida Up to $10,000 (2:1 match) My Safe Florida Home — $405M+ for 2026–27 Live program Oklahoma Up to $10,000 Strengthen Oklahoma Homes — statewide, all 77 counties Live program Louisiana Up to $10,000 (grant or tax credit) Fortify Homes Program — grant lottery + statewide tax credit Live program North Carolina Up to $10,000 NCIUA programs — coastal policyholders only, not statewide Live program Kentucky Up to $10,000 Strengthen Kentucky Homes — $5M pool, opened Mar 2026 Limited Mississippi Up to $10,000 Strengthen Mississippi Homes — Gulf Coast Wind Pool only, statewide ~2027 Live program South Carolina Up to $7,500 SC Safe Home — running since 2007, $25M+ awarded Limited Arkansas Up to $15,000 FORTIFIED Fund Grant — 3 counties live, state program coming soon Live program New Mexico $10M fund, up to $15,000 Wildfire Prepared Program — first home certified Mar 2026 Pending California Portal not open Safe Homes Act (AB 888) — effective Jan 2026, no application yet Pilot phase Minnesota Up to $10,000 (projected) Strengthen Minnesota Homes — established 2023, targeting 2027 implementation

The other 37

States we checked with nothing active yet

No state-funded roof grant, tax credit, or mandatory FORTIFIED insurance discount currently exists in these states — each page explains what we checked for and what's available instead. Programs are launching quickly across the country, so this list gets rechecked periodically.

Alaska · Arizona · Colorado · Connecticut · Delaware · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Maine · Maryland · Massachusetts · Michigan · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New York · North Dakota · Ohio · Oregon · Pennsylvania · Rhode Island · South Dakota · Tennessee · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming

Why this exists

Insurance is quietly starting to reward storm-resistant roofs

Homeowners insurance premiums have climbed sharply across storm-prone states, and a growing number of state insurance departments and legislatures are responding by requiring insurers to credit homes with certified storm-resistant roofs — or by funding the upgrade directly. Coverage of any single state's program is easy to find. A side-by-side view of every state isn't, so we built one.