Get FORTIFIED in Louisiana
Louisiana has a growing cohort of Fortified homes along its coast, and offers state-backed discounts for homeowners seeking the Fortified standard. Learn how to get your home fortified in Louisiana today.
The Louisiana state government has some of the most progressive policy and regulation around resilience upgrades like Fortified roofs.
Most insurers in Louisiana are required to offer discounts when a homeowner builds or retrofits a structure to comply with the Louisiana State Uniform Construction Code or installs mitigation improvements demonstrated to reduce the amount of loss from a windstorm or hurricane.
Other resilience incentives include:
- LA 2025 SB52: Exempts Fortify Homes grants from state income tax, encouraging participation. More Details
- LA 2025 SB28: Offers tax credits for installing FORTIFIED roofs to enhance storm resistance. More Details
- LA 2025 HB145: Increases tax deductions for homeowners upgrading to FORTIFIED home standards. More Details
- LA 2024 SB 484: Improves the Louisiana Fortify Homes program for better storm protection grants. More Details
- LA 2023 HB 550/Act 410: Allocates $30 million to fund the Louisiana Fortify Homes Program, supporting grants for at least 3,000 homeowners to upgrade to FORTIFIED roofs. More Details
- LA 2023 HB 294/Act 1: Mandates actuarially justified insurance premium discounts for homes and businesses retrofitted to FORTIFIED Home or Commercial standards. More Details
- LA 2023 HB 110/Act 12: Requires insurers to offer an endorsement to upgrade non-fortified homes to FORTIFIED Roof standards during roof replacement after a covered loss. More Details
Available Incentive Programs
Louisiana Fortified Homes Program
Provides grants of up to $10,000 to owners of existing homes to upgrade them to the FORTIFIED standard.
Fortified Fund Grant Program
Qualifying households may receive up to $15,000 for a roof replacement on an existing home or up to $7,500 towards a FORTIFIED Roof on a new construction property.
The Federal Home Loan Bank of Dallas operates this program.
Fortified Discounts
Louisiana homeowners can qualify for insurance discounts by installing a FORTIFIED Roof or building a FORTIFIED home. Savings range from 20% to 52% off the wind portion of the property owner's insurance.
Income Tax Credits
State tax credits for homeowner resilience investments, including up to $10,000 for installing fortified roofs and a deduction up to $5,000 or 50% of the cost for retrofitting existing residential structures.
Sales Tax Exemptions
Exemptions available to reduce the costs of resilience retrofit materials and supplies.
Weather Risk Profile
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