Sponsors (3)
The bill expands sustained funding and technical support to help homeowners and communities make proven resilience upgrades, especially for lower-income and high-risk households, but does so with substantial federal cost, eligibility and verification requirements, state/local matching and administrative burdens, and gaps that leave some vulnerable dwelling types or uninsured households without help.
Homeowners (especially those in flood/wind/fire-prone areas) can get grants and low-cost loans to upgrade roofs and homes to FORTIFIED or Wildfire Prepared standards, reducing future storm/fire damage and repair costs.
State and local communities gain sustained revolving loan capitalization (including a 10-year funding stream) that creates an ongoing source of resilience financing so communities can rebuild faster and finance repeated mitigation without annual appropriations.
Low- and moderate-income homeowners in high-risk areas are targeted for assistance (using HUD AMI and prioritization rules) and many at ≤120% AMI can have repayment or cost-share obligations forgiven, lowering financial barriers to resilience upgrades.
Taxpayers face a substantial federal cost (about $100 million per year over ten years), increasing federal spending and potentially affecting deficits or requiring offsets.
Significant groups are excluded or may be blocked from assistance—new construction, condos, and mobile homes are ineligible, and requiring proof of wind/flood/fire insurance may exclude uninsured but vulnerable homeowners.
Requirements for third-party verification, adherence to IBHS/FORTIFIED standards, and use of qualified contractors/evaluators raise upfront costs and administrative burdens and can limit access where certified providers are scarce (particularly rural areas).
Based on analysis of 6 sections of legislative text.
Authorizes $100M/year (FY2027–2036) to capitalize FEMA STORM FORTIFIED revolving loan funds for state homeowner grants (≤ $10,000) to install FORTIFIED/Wildfire mitigation measures.
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
Authorizes $100 million per year from FY2027–FY2036 to capitalize FEMA-administered revolving loan funds that states will use to provide homeowner grants and low‑cost loans for installing FORTIFIED Roof, FORTIFIED Home, or Wildfire Prepared Home mitigation measures. States must meet eligibility, verification, and accounting rules, deposit at least 35% of the capitalization grant into the state loan fund, and use loan proceeds to run grant programs with per-home caps and income-based forgiveness for lower-income households. The bill sets standards for qualifying improvements (IBHS FORTIFIED or equivalent), required insurance documentation for applicants, third‑party verification of work, and program administration rules including allowable uses of fund repayments and a small FEMA set‑aside for technical assistance and oversight.