Mississippi FORTIFIED Roof incentives

Mississippi: grant ceiling $10,000; MS tax credit: none confirmed; insurance discounts listed up to 55%. Grant amount comes from the Mississippi Insurance Department program page. IBHS names Mississippi and gives the discount figure.

MS data checked 2026-10-06. Not advice. Method behind the Mississippi rows: how we verify; FORTIFIED basics.

What Mississippi pays or discounts

Incentive	Amount	What it says	Sources
Strengthen Mississippi Homes grant	up to $10,000	The award, up to $10,000 of roof work, goes to the contractor. For 2026 the page limits applications to current Mississippi Windstorm Underwriting Association (MWUA) policyholders insured three consecutive policy years, chosen by lottery.	Mississippi Insurance Department: Strengthen Mississippi Homes 1 source give this figure
Insurance discount	up to 55%	IBHS says many Mississippi insurers discount FORTIFIED homes, some as high as 55% of the wind portion. The state page says discounts may apply and gives no figure.	IBHS FORTIFIED: financial incentives Mississippi Insurance Department (says discounts exist, no figure) 1 source give this figure

IBHS says MWUA gives policyholders a free FORTIFIED endorsement. When a covered claim ends in a roof replacement, MWUA pays extra toward the FORTIFIED upgrade.

Steps and traps

How it works here

A certified FORTIFIED evaluator first checks whether the home meets the minimum eligibility rules.
You pick three contractors from the program's trained list and each bids on the work.
The evaluator and the chosen contractor document the work, and the evaluator sends photos and papers to IBHS for audit.
Funds go to the contractor after approval.

Watch for

Condominiums, duplexes, mobile homes and manufactured homes are not eligible.
The page warns not to apply unless you meet the MWUA rules; selection is by lottery.

Mississippi hail record next to these incentives

Across 19 Mississippi counties we hold 746 NOAA hail reports. Peak month: Apr (2014 to June 2026 record). Largest stone: 4.6 inches. Busiest full year: 2023, 116 reports.

County	Hail reports	Largest stone
Rankin County	73	2.75 in
Hinds County	59	2.75 in
Lee County	53	2.5 in
De Soto County	42	2.0 in
Lowndes County	40	4.6 in

Payback calculator for Mississippi

Payback calculator

FORTIFIED roof price ($) Same roof without FORTIFIED work ($) Yearly premium the discount applies to ($) Discount your insurer quoted (%) Grants and tax credits you expect ($)

Confirmed for Mississippi: grant up to $10,000. IBHS says some Mississippi discounts reach 55% of the wind portion; ask your insurer for your own figure. Use your own quotes.

Sample numbers only. The formula and its assumptions.

Next steps in Mississippi

Hail lookup by address, from Rankin County outward.
Mississippi roof ages by city.
Compare Mississippi roofers.
Claim deadlines by state, in case a storm hits first.

Cities we cover in Mississippi: Biloxi, Gulfport, Hattiesburg, Jackson, Meridian, Southaven, Tupelo.

Questions about Mississippi

Can any Mississippi homeowner apply for the 2026 grant?

Not by the program page: applications are open only to MWUA policyholders insured for three consecutive policy years.

Do condominiums or mobile homes qualify?

The page excludes condominiums, duplexes, mobile homes and manufactured homes.

Other state pages: Alabama, Oklahoma, South Carolina, Louisiana.