# 119-hr-10122: STORM FORTIFIED and Wildfire Prepared Act

119-hr-10122, STORM FORTIFIED and Wildfire Prepared Act, is a 119th Congress bill sponsored by Rep. Carter, Troy A. [D-LA-2] (D-LA); status introduced; PRIA reads it as touching household money (as of 2026-09-06).

- Canonical: https://policyrisk.com/legislation/119-hr-10122
- As of: 2026-09-06
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10122
- Congress: 119
- Title: STORM FORTIFIED and Wildfire Prepared Act
- Status: introduced
- Introduced: 2026-08-20
- Sponsor: Rep. Carter, Troy A. [D-LA-2] (D-LA)
- Cosponsors: 2
- Policy area: Emergency Management
- Touches household money: yes
- Last recorded action: 2026-09-06

## 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. - 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.*

## Cosponsors (2)

- Rep. Ezell, Mike [R-MS-4] (R-MS), 2026-08-20T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2026-08-20T00:00:00.000Z

## Provisions PRIA read

- Homeowner grants for Fortified upgrades: mixed, high. 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 for…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-4275: Coast Guard Authorization Act of 2025
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-7973: Momnibus Act
- 119-hr-4669: FEMA Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act

## Sources
- [119-hr-10122 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10122)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-4275: Coast Guard Authorization Act of 2025](https://policyrisk.com/legislation/119-hr-4275)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10122 (as of 2026-09-06).