Missouri Stronger Homes Act / Missouri Stronger Homes Program

How it works

The Missouri Stronger Homes Act creates the Missouri Stronger Homes Program within the Missouri Department of Commerce and Insurance. The act says the program is intended to help Missouri residents retrofit or construct insurable residential properties to resist losses from tornado, other catastrophic windstorm events, or hail. The law also says the act does not create an entitlement or obligate the state to fund inspections, construction, or retrofits.

What the money covers

The bill text is focused on hazard resistance work for insurable residential properties. It authorizes grants to assist with construction or retrofit work that reduces losses from tornado, other catastrophic windstorm events, or hail. The bill also says the program may make grants or funding available to nonprofit entities for those same purposes if allowable under Missouri law.

Amounts and matching

The bill states that the maximum amount of any grant awarded to an individual shall not exceed $15,000. The bill text does not state a matching requirement in the excerpt reviewed.

Funding source and timing

Implementation depends on receiving federal grants or other grant funds. The bill text says $12 million would be transferred into the Missouri Stronger Homes Fund on July 1, 2027, and additional annual transfers could occur beginning July 1, 2028 through July 1, 2037, subject to caps. The fund provisions would expire June 30, 2038.

How to apply

The program’s detailed application rules are to be set by the director by rule. The bill text says eligibility requirements will be established by rule for each grant type.

Important note

This is the best current state-level hardening program I found, but the official source located is a bill summary/text rather than a standalone live program page. It is still the clearest official Missouri source documenting the program’s existence and terms.