How we research and verify every state's numbers

Roof grant and insurance-discount programs change on their own schedule — funding runs out, legislatures pass or fail bills, insurance departments issue new rules. We built this site because no single resource tracked all of them side by side. Here's exactly how we source, scope, and maintain it.

What we pull from, per state

How we label status

• Live program — funded, currently accepting applications or has a published schedule for doing so.
• Mandate live, grant proposed / Proposed — an insurance rate rule or requirement may be in effect, but any accompanying grant fund still needs legislative approval, or an application portal hasn't opened yet even though the underlying law has.
• Limited eligibility — the program is real and funded, but restricted to a specific county, parish, insurance pool, or population — not open to every homeowner in the state.
• No program — no state-funded grant, tax credit, or mandatory insurance discount was identified as of our last check. Every no-program state still gets its own page explaining what we looked for and what (if anything) is available instead — we don't just list the state name with nothing behind it.

Why some states have county or parish pages and others don't

Six states — Alabama, Mississippi, Arkansas, North Carolina, Louisiana, and South Carolina — have eligibility that genuinely varies by county or parish: different opening dates, different eligible-area lists, or coverage tied to a specific regional insurer. Those states get one page per eligible county, linked from "Find your county" on the state page. We deliberately don't build a page for every county in a state, only the ones with real, distinct, sourced content — a page that just restates the state-level information with a different county name in the title isn't useful to anyone and isn't something we publish. States with uniform statewide eligibility, or eligibility that isn't geographic (income, home value, fire-hazard zone), don't get county pages for the same reason.

What this site is not

We are not a government agency, an insurance company, a contractor, or affiliated with IBHS or the FORTIFIED™ program. We don't process applications, take a cut of any grant, or sell contact information to contractors. This is informational only — always confirm current terms, deadlines, and eligibility with the official program before making a decision based on anything here.

How states get added or updated

We check for new state programs periodically — nine new ones have launched across the country within roughly the past two years, so the "no program" list isn't static. When a program's status changes (a round opens or closes, funding is added, eligibility expands), we update that state's page and note it on Updates.

Methodology last reviewed: August 28, 2026