Sponsors (3)
The bill expands and sustains federal support for home- and community-level hazard mitigation—helping many homeowners and jurisdictions reduce future disaster losses—while imposing significant federal spending, program complexity, eligibility limits that can exclude vulnerable groups, and implementation burdens on states and small governments.
Homeowners can access new low-interest loans and grants to install FORTIFIED/Wildfire Prepared measures and repair/replace roofs, reducing future storm and fire damage to many primary residences.
State and local governments (and their communities) retain and receive sustained capitalization for revolving loan funds and FEMA capital support, creating a multi-year funding stream to finance repeated mitigation projects without annual appropriations.
Low- and moderate-income homeowners (≤120% AMI and HUD-area-targeted households) are prioritized and can receive loan forgiveness or reduced cost-shares, lowering financial barriers to resilience upgrades.
Taxpayers face about $100 million per year in new federal spending for ten years to fund these programs, increasing federal outlays and potentially contributing to deficits or requiring offsets.
Homeowners lacking current wind, flood, or fire insurance may be excluded or face extra documentation, which can bar vulnerable uninsured households from accessing mitigation assistance.
Owners of new construction, condominiums, and mobile homes are excluded from eligibility, leaving many dwelling types and their occupants without access to these resilience funds despite exposure to hazards.
Based on analysis of 6 sections of legislative text.
Authorizes FEMA capitalization grants ($100M/yr FY2027–FY2036) to fund state revolving loan funds that provide homeowner grants (up to $10K) for FORTIFIED/Wildfire mitigation.
Official title: To establish a Fortified Roof revolving loan fund to assist State agencies in making grants for the installation of Fortified Roofs, and for other purposes.
Introduced August 20, 2026 by Troy Carter · Last progress August 20, 2026
Creates a FEMA-backed revolving loan capitalization program that funds state-run homeowner grant programs to retrofit roofs and homes to meet FORTIFIED or Wildfire Prepared standards. It authorizes $100 million per year for FY2027–FY2036 to capitalize state revolving loan funds that provide low-interest loans to states, which then issue grants (up to $10,000 per home) to homeowners for eligible mitigation work, with targeted forgiveness for lower‑income households. Sets national eligibility, verification, and contractor/inspector standards tied to IBHS or equivalent science-based standards; requires state matching/deposit of at least 35% of a capitalization grant; allows FEMA to reserve a small share for technical assistance and oversight; and preserves FEMA’s broader authority to capitalize other hazard mitigation revolving funds.