FORTIFIED Incentives by State

Alabama leads the country in resilient construction and Fortified roofing, with over 50,000 FORTIFIED homes. A generous state-backed program offers grants, though the timing and availability run out fast.

Georgia faces hurricanes and storm surge on the coast, tornadoes and severe thunderstorms statewide, flash flooding from heavy rains, and more. Because of these increasing risks, the state legislature is now focused on resilience.

Kentucky, with increasing severe storm and fire risk, is committed to ensuring homeowners can reduce risk, increase resilience and reduce insurance premiums through their Strengthen Kentucky Homes Program opening in 2026.

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.

Mississippi faces increasing risk from severe storms, hurricanes and flooding. The state offers major discounts and grants to homeowners who adopt FORTIFIED.

North Carolina is one of the first states in the nation to offer grants to eligible policyholders in coastal communities to help better protect their homes against hurricanes.

Oklahoma has some of the highest insurance rates in the country due to its higher risk from tornadoes, flooding, hail, severe storms, wildfires, droughts and more.

South Carolina faces increasing risks from hurricanes, flooding, severe storms, tornadoes, wildfires, extreme heat, and more, and because of this, offers some of the most robust resilience programs in the U.S.