Strengthen Oklahoma Homes pays up to $10,000 — and once certified, your insurer has to cut your wind/hail premium by law.

How the money works

The Strengthen Oklahoma Homes (SOH) program, administered by the Oklahoma Insurance Department, provides grants up to $10,000 to upgrade a roof to the IBHS FORTIFIED Roof – High Wind and Hail standard. The grant is paid directly to your contractor after the FORTIFIED certificate is issued — you don't receive the money yourself, and you're responsible for any cost above $10,000. Funding comes from the insurance industry, not Oklahoma's general tax budget.

The part most states don't have: a mandatory insurance discount

Once your home is FORTIFIED-certified, Oklahoma law requires your insurance carrier to apply a discount — up to 42% — to the wind and hail portion of your premium. This isn't a courtesy from the insurer; it's a legal requirement under the program's authorizing statute. Program data shows pilot participants saving an average of $750/year, or roughly $7,500 over ten years.

Who qualifies

• Own and occupy the home as a primary residence, single-family
• Homestead exemption on file with your county assessor
• Active wind insurance policy, plus flood insurance if the home is in a Special Flood Hazard Area
• Home in good repair with no pre-existing storm damage
• Available statewide as of January 2026 — the program started as a 10-county pilot before expanding

How to apply

• oid.ok.gov/okready — register and apply through the OID's grant portal here. Confirm your homestead exemption is current before a round opens, since it fills fast.

Get bids from three certified contractors from the approved list, and get your grant approval letter before any work starts — required, not optional. As of mid-2026 the program had certified over 400 homes and invested more than $4 million since launch.

Sources

• Oklahoma Insurance Department — program administrator, grant terms, and round-opening announcements.
• Strengthen Oklahoma Homes Act (HB 3089) — the authorizing legislation, signed by Gov. Kevin Stitt.

Last reviewed: August 28, 2026