Grants directory
Massachusetts wildfire home hardening grants & rebates
Every live program we track for Massachusetts homeowners — statewide, county, and local incentives, plus nationwide programs you can also use. Create a free account to see full eligibility details and get matched to your exact address.
Browse all statesStatewide programs
Available to homeowners across Massachusetts.
- Free serviceOpenIncome restricted
Weatherization Assistance Program (WAP)
Massachusetts Executive Office of Housing and Livable Communities
About $4,725 in free weatherization work per eligible home
The state’s Weatherization Assistance Program gives eligible low-income households free home weatherization and limited energy-related repairs, with an average of $4,725 in services per home. It is not wildfire-specific, but it can reduce vulnerability by tightening and insulating the home envelope.
View program - Free serviceOpen
Massachusetts Home Insurance consumer resources and loss-prevention guidance
Massachusetts Division of Insurance
No direct payment or discount stated on the page
Massachusetts publishes statewide home-insurance guidance and consumer resources, including links to disaster and resilient-home information. This is not a cash program, and the page does not promise a specific homeowner discount.
View program - RebateOpen
Mass Save Residential Programs
Mass Save / Massachusetts energy efficiency program partners
Program-wide incentives vary by measure; no single statewide amount stated on the source snippet.
Mass Save is the statewide energy-efficiency program that can provide rebates and incentives for home upgrades, and Massachusetts says many insurance companies offer discounts after certain mitigation improvements are completed. It is not wildfire-specific, but it is statewide and can help pay for resilience-related home improvements depending on the equipment or measure.
View program - GrantOpen
Coastal Resilience Grant Program
Massachusetts Office of Coastal Zone Management
The state Coastal Resilience Grant Program funds resilience work for coastal Massachusetts municipalities, certified nonprofits, and Tribal governments. It is not a homeowner program, but it can support projects that reduce storm and flood damage risk in coastal areas.
View program - GrantOpen
Hazard Mitigation Assistance (HMA) Grant Programs
Massachusetts Emergency Management Agency (MEMA)
Generally 25% non-federal match; no homeowner-facing dollar cap stated.
MEMA runs statewide hazard-mitigation grant rounds that can fund wildfire mitigation and other resilience projects. Homeowners cannot apply directly; local governments apply on their behalf, and projects are funded only when FEMA and state requirements are met.
View program - GrantOpen
Hazard Mitigation Grant Program
Massachusetts Emergency Management Agency
Grant amount not stated on the overview page.
Massachusetts administers the Hazard Mitigation Grant Program to help reduce future damage from natural disasters, including wildfire-related mitigation where eligible. Homeowners generally receive help through eligible local or state sub-applicants rather than direct homeowner applications.
View program - GrantOpen
Hazard Mitigation Assistance Grant Programs Overview
Massachusetts Emergency Management Agency
Varies by annual sub-grant cycle; homeowners do not apply directly
Massachusetts Emergency Management Agency runs annual hazard mitigation sub-grants when funds are available, including programs that can support wildfire mitigation and other hazard-reduction work. Homeowners cannot apply directly; local governments apply on their behalf.
View program - Tax creditOpen
Lead Paint Removal Credit
Massachusetts Department of Revenue
Residential lead paint removal tax credit; exact dollar cap not visible in the source excerpt.
Massachusetts offers a residential property tax credit for certain lead paint removal work. It is a real statewide home-safety tax incentive, but it is not a wildfire or natural-disaster hardening program.
View program - Insurance discountStatus unknown
Homeowner Group Marketing Plan Rate Deviations (Homeowner Group Discounts)
Massachusetts Division of Insurance
Massachusetts tracks homeowner group discounts in its home-insurance materials, but the public state page does not list a single wildfire-specific discount program for homeowners. This is a state insurance discount category rather than a grant or rebate.
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County programs
Programs limited to specific Massachusetts counties.
See which programs your home qualifies for
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Create accountCity & local programs
Programs limited to specific cities or zip codes in Massachusetts.
- LoanOpenIncome restricted
HomeWorks Home Equity Loan Program (HomeWorks HELP)
Mayor's Office of Housing via the Boston Home Center
0% interest, deferred payment loan up to $50,000; amounts vary by home type, with a dollar-for-dollar match required for 120%-135% AMI.
Boston offers a 0% interest, deferred payment home repair loan of up to $50,000 through HomeWorks HELP. Loan amounts vary by home type, and households between 120% and 135% of AMI must provide a dollar-for-dollar match.
View program - LoanOpenIncome restricted
Boston Home Repair Loan Programs
Boston Home Center / City of Boston Mayor’s Office of Housing
0% interest, deferred payment loan up to $50,000.
Boston says eligible homeowners can get a 0% interest, deferred payment home repair loan of up to $50,000. The quick guide is broad home-repair help, not a wildfire-specific program, but it can support hardening-related repairs if they fit the program’s eligible repair scope.
View program - LoanOpenIncome restricted
Somerville Home Improvement Program (HIP)
City of Somerville Office of Strategic Planning and Community Development
Up to $50,000 per unit for priority repairs; up to $7,500 per unit for lead; up to $10,000 per unit for heating, or up to $15,000 for fossil-to-electric conversion
Somerville offers low- and moderate-income homeowners and certain investor-owned properties zero-interest home improvement loans for code, health, and safety repairs. The program can cover up to $50,000 per unit for higher-priority repairs and has separate caps for lead and heating work.
View program - LoanOpen
Title V Septic Loan Program
Town of Plymouth Office of Community Development
Up to $35,000 at 5% interest for 5, 10, or 15 years.
Plymouth offers a septic system improvement loan for owner-occupied homes, with 5% interest and repayment over 5, 10, or 15 years. The loan is capped at $35,000 and is repaid through the property tax bill.
View program - LoanOpenIncome restricted
Housing Rehabilitation Program
City of Easthampton, with assistance from the Pioneer Valley Planning Commission
Deferred payment loans up to $35,000
Easthampton offers housing rehabilitation loans for eligible low- and moderate-income homeowners to fix code violations, unsafe or unhealthy conditions, weatherization issues, and other needed repairs. The city says these are deferred payment loans up to $35,000.
View program - Free serviceOpen
Boston Flood Retrofits
City of Boston Office of Emergency Management
No city payment stated; insurance coverage may be up to $30,000 for certain flood mitigation work.
Boston offers guidance for homeowners and businesses on how to retrofit properties to better protect against flooding. The page is informational rather than a cash grant, and it points residents to possible insurance coverage of up to $30,000 for certain flood-damage mitigation work.
View program - LoanOpen
Solar Loan Pilot Program
Mayor's Office of Housing via the Boston Home Center
0% interest, forgivable loan up to $25,000.
Boston offers a 0% interest, forgivable loan of up to $25,000 for installing rooftop solar panels. The pilot is designed to help 20 eligible Boston households, and the loan is fully forgiven if owner-occupancy continues for 20 years.
View program - RebateOpenIncome restricted
Smart Energy Advice / Community First Partnership energy efficiency incentives
City of Worcester in partnership with Mass Save sponsors
Up to $8,500 in heat-pump rebates per dwelling; up to $25,000 in 0% financing
Worcester helps residents and small business owners access Mass Save rebates, no-cost energy assessments, and related financing. For qualifying 1–4 unit homes, the page says insulation and air sealing can be 100% off, heat pumps can get up to $8,500 per dwelling, and qualifying projects can get up to $25,000 in 0% financing.
View program - GrantOpenIncome restricted
Elder Home Repair Program
City of Worcester, Executive Office of Economic Development, Housing Development Division
Up to $25,000 per unit
The City of Worcester gives income-eligible seniors up to $25,000 per unit to repair and rehabilitate their homes. It is a city grant funded through HUD Community Development Block Grant money.
View program - GrantOpenIncome restricted
Seniors Save
Mayor's Office of Housing via the Boston Home Center
Up to $12,000 grant, plus 0% interest deferred loan for remaining balance.
Boston offers senior homeowners up to $12,000 to replace aging heating systems, with an additional 0% interest deferred loan available for any remaining balance. Heating systems already replaced are not eligible, and the program is not reimbursement-based.
View program - LoanOpenIncome restricted
Leadsafe Boston
Mayor's Office of Housing via the Boston Home Center
Forgivable loan up to $12,000 per housing unit.
Boston offers a forgivable loan of up to $12,000 per housing unit to mitigate lead paint, plus technical help to comply with Massachusetts Lead Law. Some owner-occupants and investor owners of 1-4 unit buildings may qualify, depending on income and tenant mix.
View program - GrantOpenIncome restricted
First-Time Homebuyer Downpayment Assistance Program
City of Revere Planning and Community Development
$10,000 in downpayment assistance.
The City of Revere offers income-eligible current residents buying their first home in Revere $10,000 in downpayment assistance. The program is first-come, first-served and requires mortgage pre-approval and a first-time homebuyer course.
View program - GrantOpenIncome restricted
Aging in Place Program
City of Easthampton, with assistance from the Pioneer Valley Planning Commission
Grants up to $5,000
Easthampton offers grants of up to $5,000 for low- and moderate-income senior homeowners age 65 and over to make safety-related home improvements. The city says the program is meant to help seniors remain safely in their homes.
View program - LoanOpenIncome restricted
Senior Home Repair
Mayor's Office of Housing via the Boston Home Center
0% interest, deferred payment loan; amount is determined by the need for health and safety repairs.
Boston offers homeowners age 62 and older a 0% interest, deferred payment home repair loan for health-and-safety repairs, with loan amounts determined by need. The program is for owner-occupants of 1-4 family homes and requires income below 80% of AMI.
View program - LoanOpenIncome restricted
HomeWorks Green
Mayor's Office of Housing via the Boston Home Center
0% interest deferred loan; no dollar cap stated on the page.
Boston offers eligible homeowners a 0% interest deferred loan for green repairs and home improvements. The loan can cover both interior and exterior repairs, but at least one-third of the project must be eligible green repairs.
View program - LoanOpenIncome restricted
HomeWorks Green Loan Program
Boston Home Center / City of Boston Mayor’s Office of Housing
Interest-free loan; no public dollar cap stated on the main page.
Boston offers income-eligible homeowners an interest-free loan for eligible green home repairs, energy upgrades, and related health and safety work when paired with a Mass Save assessment. Homeowners with incomes between 120% and 135% of AMI must match the city-funded loan 1:1.
View program - GrantOpen
Worcester Housing Now Initiative – Tier 1 Owner Occupied Rehabilitation
City of Worcester, Executive Office of Economic Development, Housing Development Division
Worcester offers grant help for owner-occupied multifamily rehabilitation in 1-4 unit homes, with the owner living in the property. The city is accepting applications, but the page does not state a maximum award amount.
View program - GrantOpenIncome restricted
City of Pittsfield CDBG Home Improvement Program
City of Pittsfield Department of Community Development
Grants and low-interest-rate loans; no cap stated.
Pittsfield’s Home Improvement Program gives income-eligible homeowners and landlords grants and low-interest loans for home repairs. The city says the program can help with roofs, windows, siding, furnaces, and other major repairs.
View program - LoanOpenIncome restricted
Housing Rehabilitation Loan Program
Town of Plymouth Office of Community Development
2% deferred-payment loan; no maximum amount stated on the page.
Plymouth offers low- and moderate-income homeowners deferred-payment rehabilitation loans for eligible health-and-safety repairs. The headline terms are 2% interest, with repayment due when the property is sold or transferred.
View program - Free serviceOpen
Boston Energy Saver
City of Boston
Free one-on-one help; no direct payment amount stated.
Boston Energy Saver is a free City of Boston navigation service that helps renters, homeowners, and small businesses find rebates, discounts, loans, and upgrades for energy-saving home improvements. It also connects income-eligible Boston homeowners to the HomeWorks Green Loan Program for financial assistance with energy-saving repairs.
View program - Free serviceOpen
Boston Flood Insurance / Community Rating System information
City of Boston Office of Emergency Management
Citywide flood-insurance premium discount; no direct homeowner payment.
Boston explains flood insurance and notes that the city participates in the federal Community Rating System, which can lower National Flood Insurance Program premiums citywide. This is not a direct homeowner grant, but it is an official city-linked insurance benefit tied to flood-risk reduction.
View program - LoanOpenIncome restricted
Boston HomeWorks Green Loan Program
Boston Home Center / City of Boston Mayor’s Office of Housing
Interest-free loan; no public dollar cap stated on the main page.
Boston homeowners can get an interest-free loan for eligible green, health, and safety repairs when paired with a Mass Save assessment. The page says income-eligible homeowners may use it for home improvements that also make the house more resilient, but it does not publish a single headline dollar cap on the main page.
View program - GrantOpenIncome restricted
Worcester Housing Now – Tier 1 Owner-Occupied Rehabilitation
City of Worcester, Executive Office of Economic Development, Housing Development Division
Worcester offers owner-occupied rehabilitation help for 1-4 unit homes through its Housing Now program. The city says it is accepting applications, but the overview page does not state the grant maximum.
View program - GrantOpenIncome restricted
Worcester Healthy Homes Program
City of Worcester, Executive Office of Economic Development, Housing Development Division
The City of Worcester gives grant assistance to fix health-related home hazards in eligible properties. The city says the program is currently accepting applications, but the exact dollar amount is not stated on the overview page.
View program - LoanOpenIncome restricted
Lowell Home Rehabilitation Program
City of Lowell Department of Planning and Development
Deferred 0% loan; no standard cap stated on the page
Lowell offers eligible low- and moderate-income homeowners a deferred, zero-interest rehabilitation loan for unsafe or substandard home repairs. The program can pay for code-related and health-and-safety work, including some general property improvements and accessibility improvements.
View program - LoanOpenIncome restricted
City of Cambridge Home Improvement Program (HIP)
City of Cambridge CDD, delivered through Homeowner’s Rehab, Inc. and Just-A-Start Corporation
Low-interest and deferred-payment loans; no single cap stated on the page
The City of Cambridge offers low-interest and deferred-payment home improvement loans to income-eligible homeowners for health, safety, and exterior repair work. The program can cover roof replacement, windows, insulation, and other repairs, with loan assistance available through local nonprofit partners.
View program - LoanOpenIncome restricted
Emergency Home Repair Program
City of Springfield Office of Housing
0% interest deferred-payment loan; no dollar cap stated
Springfield offers income-eligible owner-occupants a 0% interest deferred-payment loan for a single emergency home repair. The loan is forgiven over five years if the owner keeps the home as their principal residence.
View program - GrantStatus unknown
Historic Home Restoration Program
City of Springfield Community Preservation office
Grant amount not stated on the page
Springfield offers grants to homeowners in specific local historic districts for exterior restoration work on historic homes. The program funds exterior repairs and improvements, but the page does not state a grant cap.
View program - GrantStatus unknownIncome restricted
Worcester Lead Abatement Program
City of Worcester, Housing & Neighborhood Development, Lead & Healthy Homes
The City of Worcester offers a federally funded grant program to help property owners pay for lead paint abatement in eligible homes. Both owner-occupied and investor-owned properties may qualify, and income and rental restrictions may apply.
View program - LoanStatus unknown
Housing Improvement Programs
City of Chicopee Office of Community Development
Low-interest loans; dollar amount and interest rate not stated
The City of Chicopee offers low-interest housing assistance loans for city residents and property owners. The page says the money can be used for code fixes, de-leading, home repairs, accessibility improvements, first-time homebuyer purchases, and renovations.
View program - GrantClosed
Housing Rehabilitation and Repairs / Healthy Homes and Exterior Repair Programs
City of Springfield Office of Housing
$5 million in ARPA funds
The City of Springfield used $5 million in ARPA funds to help homeowners with housing repairs through the Healthy Homes and Exterior Repair Programs. The page says these programs are now closed to new applications, though work continues for homes already approved.
View program - GrantClosed
Boston Healthy and Green Retrofit Pilot Program
City of Boston Mayor’s Office of Housing
Up to $50,000 per unit.
Boston is giving selected owner-occupants of two- to four-unit homes up to $50,000 per unit for healthy, energy, and resilience retrofits. The current page says the second cohort application period is closed, so this is not currently open to new applicants.
View program - GrantClosedIncome restricted
Healthy and Green Retrofit Pilot Program
City of Boston Mayor’s Office of Housing
Up to $50,000 per unit; forgivable 0% deferred loan forgiven after 10 years if terms are met.
Boston offers eligible owner-occupants of two- to four-unit homes up to $50,000 per unit to make healthier, more comfortable, and more resilient retrofit improvements. The current page says applications for the second cohort are closed, so it is not open to new applicants right now.
View program - GrantClosedIncome restricted
Senior Citizen Home Repairs Program
City of Revere Planning and Community Development
Up to $5,000 per eligible senior homeowner; $50,000 total awarded.
The City of Revere offers eligible senior homeowners grants of up to $5,000 for necessary home repairs and accessibility improvements. The program is currently closed because qualified applicants exceeded the available funding, and a total of $50,000 was allocated on a first-come, first-served basis.
View program - GrantClosed
Revere Senior Citizen Home Repairs Program
City of Revere Planning and Community Development
Grant funding exists, but the amount is not stated on the page excerpt.
Revere’s Senior Citizen Home Repairs Program provides grant funding for home repairs to senior homeowners, but the city page says the application period is currently closed because qualified applicants exceeded available funding. The page does not publish a headline award amount on the department page excerpt.
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Nationwide programs
Federal and national programs Massachusetts homeowners can also use.
- GrantOpenIncome restricted
Single Family Housing Section 504 Home Repair Loans and Grants
U.S. Department of Agriculture Rural Development
Loans up to $40,000; grant portion available for some very-low-income seniors
USDA Rural Development’s Section 504 program offers low-interest loans and grants to very-low-income homeowners to repair, improve, or modernize homes and remove health and safety hazards. The loan amount can be up to $40,000.
View program - LoanOpenIncome restricted
Home Repair Loans and Grants (Section 504 Home Repair Program)
USDA Rural Development / Rural Housing Service
Loans up to $40,000; grants up to $10,000 for eligible homeowners age 62+
USDA Rural Development helps very-low-income rural homeowners repair, improve, or modernize their homes with low-interest loans, and grants for eligible homeowners age 62+ to remove health and safety hazards. The program can provide up to $40,000 in loan funds and up to $10,000 in grant funds, subject to lifetime limits.
View program - GrantOpenIncome restricted
Pennsylvania Disaster Recovery Assistance Program
Pennsylvania Emergency Management Agency
Up to $20,000 for home repairs; temporary housing and personal property assistance are also available
Pennsylvania offers disaster grants to homeowners and renters after certain disasters when other recovery funding is unavailable. The program can pay for home repairs up to $20,000, temporary housing, and replacement of certain personal items.
View program - LoanOpenIncome restricted
Single Family Housing Repair Loans & Grants
USDA Rural Development
Grant up to $15,000 for repairs to homes damaged in a presidentially declared disaster area; loan amount not stated on the page used here.
USDA Rural Development gives eligible rural homeowners low-interest repair loans and, for older very-low-income homeowners, grants to remove health and safety hazards, repair, improve, or modernize a home. Grants can also help repair homes damaged in a presidentially declared disaster, up to $15,000.
View program - RebateOpen
EnergizeCT Residential Insulation Incentive
EnergizeCT / Connecticut energy efficiency program sponsors
Up to $2.00/sq. ft. for professional installation, up to $10,000; $0.25/sq. ft. self-install; up to $2.50/sq. ft. for income-qualified or Environmental Justice Community customers
This utility rebate pays homeowners up to $2.00 per square foot for professionally installed insulation, with higher incentives for income-qualified customers. The program is current statewide, so it is available to homeowners in New London County too.
View program - Tax creditOpen
Sec. 25C Energy Efficient Home Improvement Tax Credit
Federal government
Up to 30% of eligible costs, with a $3,200 annual maximum.
Federal tax credit for homeowners who make eligible energy-efficiency upgrades, including audits, panel upgrades, heat pumps, heat pump water heaters, and weatherization. The page says the credit can be up to 30% of costs, with a $3,200 annual maximum.
View program - RebateOpen
Georgia Power Home Energy Improvement Program
Georgia Power
Up to 50% back, with a maximum of $1,250 for the Home Comfort Bundle; individual measures include up to $150 for a home energy assessment, $200 for attic/ceiling insulation, $300 for air sealing, and $400 for duct sealing.
Georgia Power offers rebates on qualifying home efficiency upgrades, with some services rebating up to 50% of cost and the Home Comfort Bundle going up to $1,250. It is an energy program, not a wildfire-specific hardening program, but some eligible work can overlap with home resilience.
View program - Free serviceOpen
Firewise
Mississippi Forestry Commission
Free workshops and wildfire-home-hardening guidance
A free wildfire-prevention education program that helps Harrison County homeowners learn how to make homes and neighborhoods more resistant to wildfire. The program offers workshops and guidance on home ignition zones, defensible space, and access readiness.
View program - Free serviceOpenIncome restricted
EnergizeCT Home Energy Solutions – Income Eligible (HES-IE)
EnergizeCT / Connecticut energy efficiency program sponsors
No-cost service; no cash amount stated
This utility-run program gives income-eligible homeowners a no-cost home energy assessment and weatherization improvements, with some additional services like insulation, windows, or heating and cooling system work. It is not wildfire-specific, but it is a current free home-hardening-related service available in Connecticut, including New London County.
View program - Free serviceOpen
EnergizeCT Weatherization Baseline / Energy Efficiency Programs
EnergizeCT / Connecticut energy efficiency program sponsors
Varies by subprogram
EnergizeCT’s utility programs include home weatherization and efficiency services that can improve a home’s envelope and reduce vulnerability to weather impacts. The main site confirms the initiative is funded by the Energy Efficiency Fund, the Connecticut Green Bank, the State, and local electric and gas utilities.
View program - LoanOpen
Federal Housing Agency’s 203(k) Rehabilitation Mortgage
Federal Housing Administration
Finances renovations, repairs, or remodeling in one loan; no cap stated.
An FHA rehabilitation mortgage that can finance home purchases or refinances and roll renovations, repairs, or remodeling into one loan. The page says it can be used for structural repairs, major remodeling, and improvements that increase energy efficiency or help protect homes from natural disasters.
View program - Insurance discountOpen
Louisiana Wind Mitigation Incentives / Hurricane Loss Mitigation Insurance Discounts
Louisiana Department of Insurance
Insurance premium discount; amount varies
Louisiana homeowners may qualify for insurance premium discounts for making hurricane and storm mitigation improvements that comply with state code requirements. The Department of Insurance says homeowners need an assessment to document qualifying features.
View program - Cost shareOpen
Firewise Communities Mitigation Cost-Share Program
Hawaiʻi Wildfire Management Organization
No amount stated
HWMO says Firewise communities can use this cost-share program to pay for shared wildfire-reduction work like vegetation management, defensible space, home hardening, and community preparedness. The official page does not list a dollar cap.
View program - LoanOpen
Federal Housing Agency’s Energy Efficient Mortgage Program
Federal Housing Administration
Energy-efficient improvements can be financed as part of an FHA-insured mortgage; no cap stated.
An FHA mortgage program that lets homebuyers finance energy-efficient improvements as part of an FHA-insured mortgage. The page gives no dollar amount or cap.
View program - LoanOpen
Freddie Mac GreenCHOICE Mortgage
Freddie Mac
Financing for completed or to-be-completed energy and water efficiency improvements; no cap stated.
Federal mortgage product that allows buyers to finance completed or to-be-completed energy and water efficiency improvements and repairs through the mortgage. The page does not state a dollar cap.
View program - LoanOpen
Fannie Mae HomeStyle Energy Mortgage
Fannie Mae
Up to 15% of the property's as-completed value for energy improvements.
A federal mortgage product that lets homebuyers finance energy improvements as part of a HomeStyle Energy mortgage. The page says borrowers may use up to 15% of the property's as-completed value for energy improvements.
View program - GrantOpenIncome restricted
Dominion Energy EnergyShare
Dominion Energy
Dominion Energy’s EnergyShare program helps qualifying customers pay energy bills and may also provide a free home energy assessment plus free energy-efficiency upgrades. Hanover County lists EnergyShare as a local resource for residents needing utility help.
View program - Tax creditOpen
Sec. 25D Residential Clean Energy Tax Credit
Federal government
Federal tax credit for qualified clean energy measures; amount not stated on the page.
Federal tax credit for installing new qualified clean energy measures, such as solar, geothermal, fuel cells, and battery storage. The page lists the program but does not state a dollar cap on the snippet provided.
View program - Insurance discountOpen
Louisiana Wind Mitigation Survey / Premium Discount
Louisiana Department of Insurance
Louisiana homeowners can get an insurance premium discount for approved wind-hardening features if their insurer offers it and they complete the state wind mitigation survey. The Department of Insurance says admitted insurers must offer actuarially justified wind-mitigation discounts.
View program - Free serviceOpen
Wildfire Home Risk Assessor Program
Hawaiʻi Wildfire Management Organization
Free home wildfire risk assessment service
HWMO offers a free home wildfire risk assessment program for homeowners, helping them identify ignition risks and possible home-hardening improvements. The page says the information may help develop future incentive programs, but it does not promise cash payments.
View program - Free serviceOpen
PNM wildfire preparedness guidance and vegetation management support
Public Service Company of New Mexico (PNM)
No cash incentive stated on the official page; preparedness guidance only.
PNM provides wildfire-preparedness guidance to customers in its service territory, including trimming vegetation around homes and clearing gutters and debris. The official wildfire-safety page does not describe a homeowner cash program or rebate for hardening a house.
View program - Free serviceOpen
Get Alarmed, Tennessee!
Tennessee Department of Commerce and Insurance, State Fire Marshal’s Office
Free smoke alarms; carbon monoxide detectors are also included in the 2026 expansion
The State Fire Marshal’s Office gives out free smoke alarms, and now carbon monoxide detectors too, through local fire departments. It’s aimed at high-risk homes and can help homeowners in Washington County lower the chance of a deadly residential fire.
View program - GrantOpenIncome restricted
SC Safe Home Grant Program
South Carolina Department of Insurance
South Carolina’s Safe Home grant program helps eligible homeowners harden homes against hurricane and wind damage. The official notice says homeowners are responsible for costs above the grant award, but it does not give a county-specific Florence County cap on the page snippet available.
View program - Free serviceOpenIncome restricted
Connecticut Weatherization Assistance Program (CT WAP)
Connecticut Department of Energy and Environmental Protection
Free weatherization measures; no dollar cap stated.
A state weatherization program for lower-income households that can provide home retrofits and repairs such as air sealing, insulation, and heating system tune-ups.
View program - Free serviceOpen
Neighborhood Energy Saver
Duke Energy
Free home energy assessment plus free installed products valued at up to $300; the page also says customers may save up to $95 on energy bills.
Duke Energy offers eligible residential customers free home energy assessments and free energy-saving products through Neighborhood Energy Saver. The event page says customers may get up to $300 in products installed for free.
View program - LoanOpen
SBA Mitigation Assistance
U.S. Small Business Administration
Up to 20% increase on an SBA disaster loan for mitigation
The Small Business Administration lets eligible disaster loan borrowers increase their low-interest disaster loan by up to 20% to make home improvements that reduce future damage. Homeowners can use it after a declared disaster.
View program - GrantOpen
Flood Mitigation Assistance (FMA) Program
Federal Emergency Management Agency
Varies; FEMA describes it as a pre-disaster flood mitigation grant program
FEMA’s Flood Mitigation Assistance program funds measures that reduce or eliminate long-term flood damage to buildings, including homes. It is a pre-disaster grant program.
View program - GrantOpen
Hazard Mitigation Assistance (HMA) Grants
Federal Emergency Management Agency
Varies by underlying FEMA mitigation grant program
FEMA’s Hazard Mitigation Assistance grants fund eligible projects that reduce future disaster losses. FEMA’s materials show wildfire mitigation is an eligible activity in the main HMA programs.
View program - GrantOpen
FEMA Individuals and Households Program Hazard Mitigation Measures
Federal Emergency Management Agency
Additional mitigation funds tied to FEMA disaster home-repair assistance; no separate cap stated on the page
FEMA can add hazard-mitigation money to eligible disaster home-repair assistance for homeowners after certain disasters. For wildfire-damaged homes, FEMA says it may pay for vent coverings plus non-combustible gutters and leaf guards.
View program - GrantOpen
FEMA Hazard Mitigation Grant Program (HMGP)
Federal Emergency Management Agency
Typically FEMA pays 75% of eligible HMGP project costs
FEMA’s Hazard Mitigation Grant Program funds mitigation projects after a presidential major disaster declaration, usually through state, tribal, territorial, or local sponsors rather than directly to homeowners. It can help pay for home elevation, retrofits, wildfire mitigation, safe rooms, and buyouts/relocations when sponsored locally.
View program - GrantOpenIncome restricted
Single Family Housing Disaster Assistance Fund
USDA Rural Development / Rural Housing Service
USDA Rural Development offers grants and loans to low-income rural homeowners to repair homes damaged in certain Presidentially Declared Disaster Areas. The program is for disaster recovery, not routine upgrades, and USDA says it can help remove health and safety hazards caused by a disaster.
View program - Free serviceOpen
Wildfire Prepared Home designation program
Insurance Institute for Business & Home Safety (IBHS)
No cash payment; homeowners receive a designation/certificate after completing the standard.
IBHS offers Washington homeowners a wildfire-hardening designation program that confirms a home meets science-based wildfire mitigation standards. The state insurance commissioner points homeowners to it as a way to make properties more resistant to wildfire, but this is not a state-funded grant or rebate.
View program - LoanOpen
Section 203(k) Rehabilitation Mortgage Insurance Program
U.S. Department of Housing and Urban Development
One mortgage can cover purchase/refinance plus rehab; dollar cap not stated on the main page excerpt used here.
HUD’s 203(k) program lets homebuyers and homeowners finance purchase or refinance plus rehabilitation in one FHA-insured mortgage. It is a way to roll home repairs and improvements into mortgage financing.
View program - LoanOpen
Title I Property Improvement Loan Program
U.S. Department of Housing and Urban Development
Insured private loans; balances over $7,500 must be secured against the property.
HUD’s Title I Property Improvement Loan Program lets homeowners finance repairs and improvements through insured private lender loans. HUD says improvements must substantially protect or improve the basic livability or utility of the property.
View program - GrantOpen
Hazard Mitigation Grant Program
Federal Emergency Management Agency
Community-sponsored mitigation grants; no homeowner cap stated.
FEMA’s Hazard Mitigation Grant Program funds post-disaster projects that reduce future damage to homes, including wildfire mitigation, but homeowners do not apply directly. Local governments or other sponsors apply on their behalf.
View program - GrantOpen
Hazard Mitigation under the Individuals and Households Program – Wildfire Measures
Federal Emergency Management Agency
Additional mitigation funds for eligible wildfire survivors; amount not stated on the fact sheet.
FEMA may provide extra mitigation funds to eligible wildfire survivors who already qualify for Individuals and Households Program home repair assistance. Covered wildfire hardening measures include vent covers and non-combustible gutters and leaf guards.
View program - LoanOpen
Section 502 Single Family Housing Disaster Assistance
USDA Rural Development
No specific amount stated on this disaster-assistance page.
USDA Rural Development says its Single Family Housing programs, including Section 502 home loans and 504 home repair, help rural families buy, build, or repair homes after a disaster. This is a disaster-assistance information page, not a separate homeowner grant program page.
View program - GrantOpenIncome restricted
Single Family Housing Disaster Assistance Fund Program
USDA Rural Development
Grants and loans; dollar limits not stated on the page excerpt used here.
USDA Rural Development offers grants and loans to very-low- and low-income rural homeowners whose homes were damaged in a disaster. The page says the program is currently open and accepts applications through September 30, 2026.
View program - Free serviceOpen
Ready PA wildfire preparedness guidance
Pennsylvania Emergency Management Agency
Free statewide wildfire preparedness guidance; no cash benefit stated
Pennsylvania’s emergency management agency offers free wildfire preparedness guidance for households. It is useful for home hardening planning, but it does not provide money, reimbursements, or direct services statewide.
View program - Free serviceOpen
PSO Home Weatherization Assistance
Public Service Company of Oklahoma (Power Forward With PSO)
Free weatherization services; dollar cap not stated in the source found.
PSO offers weatherization services for qualified customers to make homes more comfortable and energy efficient, with free weatherization services mentioned in PSO’s program materials.
View program - Free serviceOpenIncome restricted
WeCare Program (LG&E/KU)
LG&E and KU
Free audits, safety checks, education, and weatherization services; no dollar cap stated.
LG&E and KU’s WeCare program provides no-cost energy audits, health and safety checks, education, and weatherization services to income-qualified customers. The Louisville Metro assessment says it can include direct-install measures and deeper weatherization work.
View program - Free serviceOpen
Pennsylvania wildfire prevention and mitigation guidance
Department of Conservation and Natural Resources
Free statewide wildfire-prevention guidance; no cash benefit stated
Pennsylvania’s forestry agency publishes statewide wildfire-prevention guidance, including advice for immediate home-ignition-zone cleanup and defensible-space work. It is a free service and educational resource, not a cash grant.
View program - Free serviceOpen
Pennsylvania FAIR Plan basic fire and crime insurance availability
Pennsylvania FAIR Plan
Guaranteed availability of basic fire and crime insurance; no incentive amount stated
Pennsylvania residents are guaranteed access to basic fire and crime insurance through the Pennsylvania FAIR Plan. This is insurance availability, not a home hardening grant or rebate, but it is a statewide insurer-linked home-protection resource.
View program - GrantOpen
Pennsylvania Fire Company and Emergency Medical Services Grant
Office of the State Fire Commissioner
The Commonwealth gives grants to volunteer and career fire companies, EMS agencies, and rescue squads for equipment, facilities, training, and related needs. It is not a homeowner program, but it is the main statewide grant page tied to wildfire and other emergency response readiness.
View program - Tax creditOpenIncome restricted
Real Property Tax Credit
New York State Department of Taxation and Finance
Refundable tax credit; amount depends on tax form rules and eligibility.
New York offers a refundable income tax credit for some low-income homeowners and renters based on real property taxes, not for hardening work. It is included only because it is a statewide homeowner tax incentive, but it does not fund disaster mitigation improvements.
View program - Insurance discountOpen
Homeowners Insurance Premium Discounts for Loss-Mitigation Devices and Systems
New York State Department of Financial Services
Insurer-specific discount amount not stated.
DFS says New York insurers may offer homeowners premium discounts for loss-mitigation devices and systems such as deadbolt locks, smoke alarms, fire extinguishers, sprinkler systems, and security systems. Homeowners are told to ask their insurer what savings apply.
View program - Insurance discountOpen
Offering of Loss Mitigation Tools and Services and Discounts for Loss Mitigation Devices and Systems
New York State Department of Financial Services
No statewide dollar amount stated; insurers are encouraged to offer free or reduced-fee tools/services and discounts.
DFS urges New York property/casualty insurers to offer free or reduced-fee loss-mitigation tools and services, and to file actuarially appropriate discounts for devices or systems that reduce losses. The circular names items like smoke alarms, sprinkler systems, fire extinguishers, and deadbolt locks.
View program - Insurance discountOpen
Homeowners Insurance Required Discount for Hurricane-Resistant Shutters, Windows, and Doors
New York State Department of Financial Services
Discount amount not stated on the official page.
New York requires homeowners insurers to provide discounts for hurricane-resistant shutters, windows, and doors. The DFS page also says insurers may offer other discounts for home safety improvements that reduce losses.
View program - Insurance discountOpen
Wildfire Prepared Home Program & Certification
Insurance Institute for Business & Home Safety
Discounted application fee; possible insurance-rate benefit, not a direct cash payment
Homeowners can pay for an IBHS Wildfire Prepared Home assessment and certification that may help lower insurance rates; New Mexico OSI says residents can use the certificate with insurers and can get a discounted application fee with promo code NM GRANT.
View program - GrantStatus unknown
Hazard Mitigation and Community Education Grants
Tennessee Department of Agriculture, Division of Forestry
A state wildfire-prevention grant for local communities and organizations, not individual homeowners. It funds wildfire hazard mitigation and education projects, with examples including fuel reduction, thinning, and prescribed burning.
View program - Free serviceStatus unknown
Pennsylvania Insurance Department homeowners insurance resources
Pennsylvania Insurance Department
Pennsylvania’s Insurance Department publishes homeowners-insurance guidance, including disaster and claim information, but it does not show a statewide homeowner discount or rebate for wildfire hardening. I found no official Pennsylvania statewide insurance-mandated wildfire mitigation discount for homeowners.
View program - GrantClosed
Pennsylvania Municipal Fire Department Capital Grant
Office of the State Fire Commissioner
$25,000 to $100,000
The Commonwealth offers grants to municipal fire departments for facilities and equipment that help them respond to emergencies. This is not a homeowner grant, but it is a statewide public-safety funding program related to wildfire resilience.
View program - RebateClosed
Residential Safe Room Program
Indiana Department of Homeland Security
Up to $5,000 maximum rebate; 75% reimbursement
Indiana offers a rebate to help homeowners install safe rooms in residences. The program’s headline benefit is up to $5,000, with reimbursement capped at 75% of eligible costs.
View program - GrantClosedIncome restricted
Homeowner Assistance Fund
U.S. Department of the Treasury
Grant assistance for COVID-related housing costs; no hardening-specific amount stated.
The federal Homeowner Assistance Fund was a COVID-era homeowner relief program that could pay certain housing-related costs to prevent delinquency, default, foreclosure, and utility loss. It is not a natural-disaster hardening program, but it is a federal homeowner assistance program that may affect housing costs.
View program - Tax creditClosed
Louisiana Fortified Roof Tax Credit
Louisiana Department of Revenue
100% of qualified roof upgrade expenses
Louisiana offers an income tax credit for 100% of qualified expenses for roofs upgraded to FORTIFIED standards. The state announced a June 30, 2026 deadline for the credit in its 2026 notice.
View program
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