Federal roof grants for storm-prone homeowners, with income-based forgiveness.
H.R. 10122 — STORM FORTIFIED and Wildfire Prepared Act · Filed by Troy Carter (D-LA) · 2 cosponsors · Introduced Aug 20, 2026 · Referred to committee
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What it does
This bill creates a $100 million/year federal revolving loan fund (2027–2036) to help states make grants to homeowners for installing storm-resistant roofs and wildfire-prepared homes. States must match 35% of federal funds; homeowners earning below 120% of area median income get their grants forgiven. The program targets owner-occupied primary residences with insurance coverage, capped at $10,000 per project.
Why we flagged it
The bill's core mechanism is a federal-to-state capitalization grant program funding homeowner resilience upgrades (roofs, wildfire prep) with income-based forgiveness. It is a public-safety and affordability measure, not a tax carve-out or narrow subsidy.
What the text implies
- Insurance coordination language (section 4(k)) encourages but does not mandate premium discounts for fortified homes; actual savings depend on insurer adoption and may not materialize for all participants.
- Forgiveness is limited to households ≤120% AMI; homeowners above that threshold must repay loans over 20–30 years, creating a two-tier system that may exclude moderate-income households from full benefit.
The full analysis lists 5 implications of this text.
Who stands to gain
homeowners (especially low-income households ≤120% AMI receiving grant forgiveness); roofing contractors and construction firms (performing fortified roof/home upgrades); qualified evaluators and inspectors (certifying compliance with IBHS standards)