North Carolina homeowners insurance mitigation credits for fortified homes

North Carolina Department of Insurance · State program

Premium discount amount not stated; varies by mitigation level and insurer.

North Carolina says some homeowners insurance policies in the state’s beach and coastal territories may qualify for mitigation credits if the home has qualifying FORTIFIED construction features. These are premium discounts, not a direct grant or rebate.

Last verified: July 28, 2026

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Program details

How it works

The Department of Insurance says certain mitigation credits or discounts may be available for qualifying homeowners insurance policies in North Carolina’s beach and coastal territories. The credits reduce the wind and hail portion of the premium for homes with qualifying construction features.

What qualifies

The page points homeowners to the FORTIFIED program, a voluntary construction and re-roofing program created by the Insurance Institute for Business & Home Safety. The department says FORTIFIED has requirements beyond most building codes and uses an inspection and verification process to confirm the home is built or re-roofed correctly.

Amounts

The official page does not publish dollar amounts. It says different credit levels are available depending on the home’s mitigation qualifications.

How to check

Homeowners are instructed to contact their insurance agent or insurance company to find out whether their home could be eligible for discounts or mitigation credits.

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