Wind mitigation discounts: the premium credits most homeowners never ask about

Checked against IBHS and state sources on August 22, 2026

The authority on this subject keeps its own directory. IBHS, the insurance industry's research lab and the owner of the FORTIFIED standard, maintains a state-by-state page of financial incentives at fortifiedhome.org/incentives. Every state-specific figure below comes from that page as of the date above, and their page is where the current numbers live.

What a wind mitigation credit is

Insurance pricing responds to how likely a roof is to come off. Features that lower that likelihood, the way the roof deck is fastened and sealed, how the roof ties to the walls, protected openings, or a certified FORTIFIED designation, can earn a credit against the wind portion of a homeowners premium. The features have to be documented, usually by an inspection or a certificate, because an insurer prices what it can verify rather than what is probably up there.

State by state, per the IBHS incentives page

Mississippi

IBHS's page says many Mississippi insurers offer discounts for homes meeting FORTIFIED standards, some as high as 55 percent off the wind portion of a homeowners premium, and that the state's wind pool, MWUA, offers its policyholders a free FORTIFIED endorsement. The Mississippi Insurance Department regulates, and also runs the roof grant program covered by its own page on this shelf.

Louisiana

IBHS's page says most Louisiana insurers offer discounts for building or retrofitting to the state construction code or installing mitigation improvements. The Louisiana Department of Insurance publishes its own discount guide, featured on its homepage alongside the Louisiana Fortify Homes Program, which is covered by its own page on this shelf.

Alabama

IBHS's page calls Alabama the national leader, with over 30,000 FORTIFIED homes and numerous incentives. The Alabama Department of Insurance is the regulator and runs the Strengthen Alabama Homes grant program, covered by its own page on this shelf, that Mississippi's newer program is modeled on.

Florida

IBHS's page says Florida insurers provide discounts for residential construction materials or techniques that reduce storm damage risk. The Florida Office of Insurance Regulation is the regulator; wind mitigation inspections are an established routine there in a way the other Gulf states are still catching up to, and the state's My Safe Florida Home program, covered by its own page on this shelf, performs them free.

Texas

IBHS's page says some Texas insurers offer discounts for improvements that mitigate hurricane or storm damage. The Texas Department of Insurance is the regulator, and its windstorm inspection system, the WPI-8 certificate, and TWIA are covered by their own page on this shelf.

The one phone call

1. Call your agent and use the words "wind mitigation credit". Ask what discounts your carrier files in your state and what documentation each one needs. The list is carrier-specific, which is why no site, this one included, can promise you a number.
2. Ask before you re-roof, not after. A roof is when mitigation is cheapest to add, and per the Mississippi Insurance Department's program pages a FORTIFIED designation is inspected onto the house by a certified evaluator and lasts five years. The evaluator is the paper trail your insurer wants.
3. Check the incentive directory at fortifiedhome.org/incentives for your state's current programs, grants and tax treatment, then confirm anything that matters against the agency it names.

What this page is not

This site is not affiliated with, or endorsed by, IBHS or any state insurance department, and FORTIFIED is IBHS's trademark. Credits are filed by carriers and change; the institutions linked above always win over this page. Nothing here is insurance advice: it is a map, drawn on the date stamped at the top.