Bill · H.R. 10122· House(119-HR-10122)
STORM FORTIFIED and Wildfire Prepared Act
- Introduced
- 8/20/2026
- Last activity
- 8/20/2026 — Referred to the House Committee on Transportation and Infrastructure.
- Sponsored by
- Troy Carter
- Cosponsors
- - 1 - 1
- Introduced
- In Committee
What this bill would do
This bill establishes a STORM FORTIFIED and Wildfire Prepared Act to create a revolving loan fund for home mitigation. The program is designed to assist State agencies in providing grants to homeowners for installing Fortified Roofs, Fortified Home, or Wildfire Prepared Home designations. FEMA will oversee the capitalization of these funds, which are intended to help people protect their homes from weather and wildfire risks. State agencies will use these funds to provide grants for specific construction upgrades, including labor and materials. The bill provides for significant funding to be authorized over several fiscal years to support these efforts.
Yes· 3 of 16
Would households on low incomes be better off under this?+6
The bill offers significant relief through loan forgiveness for those earning below 120 percent of the area median income.
Does this improve help for people hit by a disaster?+6
The bill provides significant new resources to FEMA to enhance nationwide disaster resilience through home mitigation.
Is this likely to lift people out of poverty?+4
The bill includes loan forgiveness specifically for low-income households to aid in disaster resilience.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Financial Assistance for Home Upgrades: Homeowners can receive grants of up to $10,000 to cover the costs of labor and materials for mitigation projects like Fortified Roofs or Wildfire Prepared Homes (Section 5(c)).
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Support for Low-Income Households: The bill requires the forgiveness of loan repayments or cost-share obligations for individual homeowners whose income is below 120 percent of the area median income (Section 5(e)).
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Increased Disaster Resilience: The program encourages the installation of specialized protections, such as enhanced edge protection for roofs and protections against ember intrusion or radiant heat for wildfires (Section s 2(4) and 2(7)).
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Insurance Benefits: The Administrator is encouraged to work with insurers to allow homeowners to receive premium discounts based on their new home designations (Section 4(k)).
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Targeted Assistance: States have the authority to prioritize lower-income applicants and those living in locations with a high susceptibility to catastrophic weather events (Section 5(b)(9)).
Potential Negative Impacts for People
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Exclusion of Certain Home Types: Owners of new construction homes, condominiums, and mobile homes are specifically ineligible to participate in the grant program (Section 2(5) and Section 5(b)(7)).
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Strict Insurance Requirements: To be eligible, homeowners must generally provide proof of active insurance coverage for wind, flood, or fire perils, which may be a barrier for those currently unable to secure coverage (Section 5(b)(2), 5(b)(3), and 5(b)(4)).
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Home Ownership Restrictions: The program is limited to primary residences that meet specific state or local homestead or owner-occupancy requirements (Section 5(b)(1)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+6Good For Middle Class Households+3Good For Business Owners+1Good For High Income Households+1Good For Rural Residents+1
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+6Improves Environmental Protections+2
- Social Issues And Justice
- Improves Poverty Reduction+4Improves Affordable Housing+3
- Economy And Finance
- Increases Job Creation+2Improves Consumer Protection+1Improves Economic Growth+1
- Governance And Ideology
- Increases Federal Power+2Improves Government Transparency+1Increase States Rights+1
- Healthcare
- Reduces Private Insurance Premiums+2
- 8/20/2026
- Referred to the House Committee on Transportation and Infrastructure.
- 2 Cosponsors added.
- Introduced in House
Salud CarbajalDemocrat · California
Mike EzellRepublican · Mississippi