FORTIFIED Roof incentives by state: discounts, credits and grants
A FORTIFIED Roof is a roof built to a standard written by the Insurance Institute for Business and Home Safety (IBHS): a sealed deck, stronger deck nailing, better edge metal and rated roofing. Some states and insurers pay you for building one. The rules sit in statutes, agency pages and insurer filings, so we put each figure next to its source. Where we could not confirm a number, the table says so and prints none.
Last checked 2026-10-06. Programs run out of money and rules change; use the linked source before you sign a contract.
Where the incentives are
green an incentive amount is confirmed by a state page or statute (tap a tile for its page) amber a program exists but the amount is unclear or disputed grey no confirmed program, or not checked beyond IBHS's list. Tiles are placed roughly where states sit; they are not to scale.
The table, with sources
| State | Insurance discount | Tax credit or deduction | Grant | Status and sources |
|---|---|---|---|---|
| Alabama | 25% to 35% | exists, no figure | up to $10,000 | confirmed Grant amount stated by the state program and by IBHS. Discount figures come from IBHS; the state program page confirms discounts exist but gives no figure. Strengthen Alabama Homes IBHS FORTIFIED: Alabama incentives |
| Oklahoma | 3% to 42% | no data | up to $10,000 | confirmed Discount range appears on the Oklahoma Insurance Department's one-sheet and on IBHS. The grant amount comes from the Department's program page alone. Oklahoma Insurance Department: OKReady Oklahoma Insurance Department one-sheet (PDF) IBHS FORTIFIED: financial incentives |
| Mississippi | up to 55% | no data | up to $10,000 | confirmed Grant amount comes from the Mississippi Insurance Department program page. IBHS names Mississippi and gives the discount figure. Mississippi Insurance Department: Strengthen Mississippi Homes IBHS FORTIFIED: financial incentives |
| South Carolina | exists, no figure | up to $1,000 | no data | confirmed Credit limits are read from the statute and repeated by IBHS. The statute never uses the word FORTIFIED, so whether your work qualifies is set by Department of Insurance regulations. South Carolina Code of Laws, Title 12, Chapter 6, sections 12-6-3660 and 12-6-3665 IBHS FORTIFIED: financial incentives |
| Louisiana | exists, no figure | up to $10,000; deduction up to $10,000 | up to $10,000 | one government source Every figure comes from one document, the Louisiana Department of Revenue's bulletin of August 5, 2025. IBHS's Louisiana page still shows an older $5,000 deduction. Louisiana Department of Revenue, Revenue Information Bulletin 25-020 IBHS FORTIFIED: financial incentives |
| North Carolina | exists, no figure | no data | sources disagree | sources disagree Two program pages disagree on the grant, so no single amount is stated. The grant covers only some coastal policyholders. IBHS FORTIFIED: North Carolina incentives NCIUA Strengthen Your Roof |
| Florida | no data | no data | up to $10,000 | partly confirmed A state grant exists for hurricane mitigation but is not specific to FORTIFIED. Florida Statutes 215.5586 My Safe Florida Home |
| Georgia | no data | no data | no data | no data IBHS says the Georgia Underwriting Association mitigation program lists discounts for FORTIFIED construction. The association's site did not load, so no figure. |
| Texas | no data | no data | no data | no data IBHS says some Texas insurers discount mitigation features that FORTIFIED includes. No state program or figure confirmed. |
| Kansas | no data | no data | no data | no data Not on IBHS's list of states with FORTIFIED incentives as of 2026-10-06, and no regulator page found that confirms one. |
| Arkansas | no data | no data | no data | no data Not on IBHS's list of states with FORTIFIED incentives as of 2026-10-06, and no regulator page found that confirms one. |
| Missouri | no data | no data | no data | no data Not on IBHS's list of states with FORTIFIED incentives as of 2026-10-06, and no regulator page found that confirms one. |
| Iowa | no data | no data | no data | no data Not on IBHS's list of states with FORTIFIED incentives as of 2026-10-06, and no regulator page found that confirms one. |
| Colorado | no data | no data | no data | no data Not on IBHS's list of states with FORTIFIED incentives as of 2026-10-06, and no regulator page found that confirms one. |
| Minnesota | no data | no data | no data | no data Not on IBHS's list of states with FORTIFIED incentives as of 2026-10-06, and no regulator page found that confirms one. |
| Nebraska | no data | no data | no data | no data Not on IBHS's list of states with FORTIFIED incentives as of 2026-10-06, and no regulator page found that confirms one. |
| South Dakota | no data | no data | no data | no data Not on IBHS's list of states with FORTIFIED incentives as of 2026-10-06, and no regulator page found that confirms one. |
| Virginia | no data | no data | no data | no data Not on IBHS's list of states with FORTIFIED incentives as of 2026-10-06, and no regulator page found that confirms one. |
Discount ranges are what IBHS or the regulator publishes; your own quote decides the real number. Louisiana's deduction is listed beside its credit. Other states IBHS names for mitigation discounts that are not specific to FORTIFIED: Connecticut, Maryland, New Jersey, New York, Rhode Island.
Hail next to the incentives
Wind-state programs were written for hurricanes, yet the FORTIFIED Roof also adds a hail supplement in Oklahoma. For the five states with their own page, here is the NOAA hail record we hold, 2014 to June 2026.
| State | Counties in our file | Hail reports | Largest stone | Busiest month |
|---|---|---|---|---|
| Alabama | 23 | 928 | 5.38 in | Mar |
| Oklahoma | 72 | 6,563 | 6.0 in | May |
| Mississippi | 19 | 746 | 4.6 in | Apr |
| South Carolina | 18 | 997 | 3.0 in | May |
| Louisiana | 14 | 704 | 4.0 in | Apr |
Counts are NOAA Storm Events hail reports in the counties we track, which are those with a covered city or enough reports. They are reports, not storms or damage.
Will the upgrade pay for itself?
Payback calculator
Fill in figures from your own quotes. The boxes start with example numbers so the chart has something to draw; they are not prices or discounts for any home.
How it is computed: extra cost = FORTIFIED price minus the plain roof price. Net extra cost = extra cost minus grants and credits, never below 0. Yearly saving = premium x discount. Payback in years = net extra cost divided by yearly saving. It ignores interest, premium changes, deductibles, your tax bracket and the roof's life, and it counts the discount as flat every year.
How the FORTIFIED process works
- Hire an IBHS-trained evaluator before the roof work starts; in several states the grant or credit requires this order.
- A contractor builds the roof to the standard: sealed roof deck, stronger deck nailing, upgraded edge metal, and covering that meets the program's list.
- The evaluator checks the work with photos and sends it to IBHS, which issues a designation certificate.
- You give that certificate to your insurer, and to the grant or tax office where one applies.
Two cautions. A designation covers the roof, and it does not make a house hail-proof. And a discount is the insurer's decision, so get the written quote first, the same way you would compare roofing bids. Next steps on this site: check hail history at your address, see how old the roofs are in your city, and see how fast insurers must act on a claim. How we verify each row is on the method page.
Questions
What is a FORTIFIED Roof?
The lowest of three IBHS home levels (Roof, Silver, Gold). It targets the roof system and keeps water out if shingles are torn off.
Does it always lower my premium?
No. Discounts are set by each insurer and by state rules, and several states in the table show no confirmed discount. Ask for a written quote with and without the designation.
Who gets the grant money?
In the four grant programs we read (Alabama, Louisiana, Mississippi, Oklahoma), the contractor. You pay anything above the award and the evaluator's fee.
Can I get a state incentive if my state shows grey?
Grey means we found nothing we can cite, not that nothing exists. Call your insurer and your state insurance department and ask for the answer in writing.
Is this advice?
No. It is general information from public sources, not legal, tax or insurance advice, and it does not promise any discount for a given house.