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119-hr-10122119th CongressWALLET

STORM FORTIFIED and Wildfire Prepared Act

Sponsored By: Representative Carter, Troy A. [D-LA-2]

Introduced

Summary

Creates a FEMA-run program to fund state revolving loan funds that help homeowners upgrade to FORTIFIED Roof, FORTIFIED Home, or Wildfire Prepared Home standards. The program would provide state capitalization grants so states can offer low-interest loans and homeowner grants for verified mitigation work.

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  • Homeowners: Could receive grants up to $10,000 per project for FORTIFIED or wildfire upgrades. Grants require proof of required insurance and would be forgiven for owners under 120% of area median income.
  • State agencies: Would be eligible for authorization of $100 million per year for fiscal years 2027 through 2036 and must deposit at least 35% of each capitalization grant into their entity loan fund. States must prepare annual intended use plans and undergo audits.
  • Standards and market effects: Funded work must meet IBHS FORTIFIED or Wildfire Prepared Home standards and be verified by certified evaluators. The FEMA Administrator would oversee audits and encourage coordination with insurers for actuarially justified premium discounts.

*Would authorize $100.0 million per year for FY2027–2036, totaling $1.0 billion in capitalization grants and increasing federal spending.*

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 0 benefits, 0 costs, 1 mixed.

Homeowner grants for Fortified upgrades

This bill would create FEMA-funded state programs to give one-time grants for FORTIFIED Roofs or FORTIFIED/Wildfire home upgrades. States would set the per-grant cap, but it could not exceed $10,000. States would use revolving loan funds only to make these homeowner grants. States would have to forgive repayment or cost-share for homeowners with income below 120% of the HUD area median income. To qualify, your home would generally have to be your primary residence and owner-occupied. Applicants would usually need in-force wind insurance for Fortified work, flood insurance if in a Special Flood Hazard Area, and fire coverage in designated wildfire areas. New construction, condominiums, and mobile homes would be ineligible. Work would have to be done by qualified contractors and verified by qualified evaluators under IBHS or equivalent standards.

Sponsors & CoSponsors

Sponsor

Carter, Troy A. [D-LA-2]

LA • D

Cosponsors

  • Rep. Ezell, Mike [R-MS-4]

    MS • R

    Sponsored 8/20/2026

  • Rep. Carbajal, Salud O. [D-CA-24]

    CA • D

    Sponsored 8/20/2026

Roll Call Votes

No roll call votes available for this bill.

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