Louisiana has adopted the 2021 IRC and has embraced beyond-code construction. There is a rapidly increasing market for FORTIFIED construction throughout the state. The state offers mitigation tax and insurance incentives and has created a statewide grant program for residents to re-roof to FORTIFIED standards.

Grant Programs

Mitigation grant programs provide homeowners with funds to enhance their homes' resilience against storms and other natural hazards, such as wildfires and floods.

  • Louisiana Fortify Homes Program - Provides grants of up to $10,000 to owners of existing homes to upgrade them to the FORTIFIED standard. More Details.
  • FORTIFIED Fund Grant Program - Qualifying households may receive up to $15,000 for a roof replacement on an existing home or up to $7,500 towards a FORTIFIED Roof on a new construction property. The Federal Home Loan Bank of Dallas operates this program. More Details.

Mitigation Insurance and Tax Incentives

Property owners, residents, and businesses can receive insurance discounts and tax breaks to build stronger to better withstand damage from natural hazards.

  • FORTIFIED Discounts - Louisiana homeowners can qualify for insurance discounts by installing a FORTIFIED Roof or building a FORTIFIED home. Savings range from 20% to 52% off the wind portion of the property owner's insurance. More Details.
  • FORTIFIED Roof Endorsement - Insurers are required to offer an endorsement to a homeowners policy to upgrade their home to an IBHS FORTIFIED Roof if it is damaged and needs replacing. More Details. 
  • Sales Tax Exemptions: Exemptions available to reduce the costs of resilience retrofit materials and supplies. More Details
  • Income Tax Credits: State tax credits for homeowner resilience investments, including up to $10,000 for installing fortified roofs and a deduction up to $5,000 or 50% of the cost for retrofitting existing residential structures. More Details.
  • FHLB Dallas Affordable Housing Program (AHP) The Federal Home Loan Bank of Dallas's Affordable Housing Program awards grants to member institutions for affordable housing developments, prioritizing FORTIFIED construction with additional scoring points to enhance resilience against storms. More Details.

Continuing Education

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Funding to Help Rebuild or Re-Roof

These federal and mortgage-backed programs may provide financing for disaster recovery, home repairs, energy upgrades, and rehabilitation, supporting homeowners, renters, and small businesses, particularly for those with low incomes or who are affected by disasters.

Small Business Administration Loans - Those affected by a disaster can rebuild stronger by increasing their SBA disaster assistance loan up to 20% of the verified physical damage to make mitigation improvements. There is no cost to apply, and you are under no obligation to accept a loan if approved.

  • Generally, borrowers have two years after loan approval to request an increase for higher rebuilding costs, code-required upgrades, or mitigation.
  • Call (800) 659-2955 and ask about increasing your loan for mitigation purposes, or visit sba.gov/disaster for more information.

Fannie Mae HomeStyle Renovation Loans - A mortgage that provides a simple and flexible way for borrowers to renovate or make home repairs with a conventional first mortgage, rather than a second mortgage, home equity line of credit, or other more costly methods of financing.​

Fannie Mae HomeStyle Energy Loans - A mortgage that helps lenders offer financing for homeowners to increase home energy efficiency and reduce utility costs.

  • Both HomeStyle Renovation and HomeStyle Energy mortgages may be combined with a HomeReady® mortgage so that low-income borrowers can take advantage of flexible features and additional savings.

USDA- Single Family Housing Repair Loans & Grants - A loan program providing loans to very-low-income homeowners to repair, improve, or modernize their homes. Grants are also available for very-low-income elderly homeowners to remove health and safety hazards.

HUD 203(k) Loans - A loan program for rehabilitating and repairing single-family properties, allowing homebuyers and homeowners to finance both the purchase or refinancing of a house and the cost of its rehabilitation through a single mortgage, or to finance the rehabilitation of their existing home.

  • The 203(k) program permits homebuyers and homeowners to finance up to $35,000 into their mortgage to repair, improve, or upgrade their homes.

HUD Mortgage Insurance for Disaster Victims - 203 (h) - Loan program for renters or homeowners if their homes are located in an area designated by the President as a disaster area and were destroyed or damaged to such an extent that reconstruction or replacement is necessary. These loans may be used to finance the purchase or reconstruction of a one-family home that will be the homeowner's principal residence.

  • The borrower must submit their application to an FHA-approved lending institution within one year of the President's disaster declaration.

Resilience Policy and Legislation

Legislation and regulation are tools used to encourage and incentivize building to higher standards, thereby reducing losses and costs for property owners and residents.

  • LA 2025 SB52: Exempts Fortify Homes grants from state income tax, encouraging participation. More Details
  • LA 2025 SB28: Offers tax credits for installing FORTIFIED roofs to enhance storm resistance. More Details
  • LA 2025 HB329: Uses insurance fees to fund resilience and grant programs for homeowners. More Details
  • LA 2025 HB145: Increases tax deductions for homeowners upgrading to FORTIFIED home standards. More Details
  • LA 2024 SB 484: Improves the Louisiana Fortify Homes program for better storm protection grants. More Details
  • LA 2023 HB 550/Act 410: Allocates $30 million to fund the Louisiana Fortify Homes Program, supporting grants for at least 3,000 homeowners to upgrade to FORTIFIED roofs. More Details
  • LA 2023 SB 113/Act 45: Provides additional provisions for insurance premium discounts for properties meeting FORTIFIED standards, complementing HB 294. More Details
  • LA 2023 HB 294/Act 1: Mandates actuarially justified insurance premium discounts for homes and businesses retrofitted to FORTIFIED Home or Commercial standards. More Details
  • LA 2023 HB 110/Act 12: Requires insurers to offer an endorsement to upgrade non-fortified homes to FORTIFIED Roof standards during roof replacement after a covered loss. More Details
  • LA 2022 HB 612/Act 554: Establishes the Louisiana Fortify Homes Program, providing up to $10,000 grants to retrofit roofs to FORTIFIED standards to resist hurricanes and windstorms, effective January 1, 2023. More Details

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