Grants directory
Michigan wildfire home hardening grants & rebates
Every live program we track for Michigan 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 Michigan.
- GrantOpenIncome restricted
State Emergency Relief (SER) Home Repairs
Michigan Department of Health and Human Services
Up to $4,000 lifetime for furnace repairs; up to $1,500 lifetime for other eligible home repairs.
Michigan’s State Emergency Relief program can pay for emergency home repairs that remove a direct threat to health or safety or are required by law. It is capped at $4,000 lifetime for furnace repairs and $1,500 lifetime for other eligible home repairs per family group.
View program - GrantOpenIncome restricted
State Emergency Relief
Michigan Department of Health and Human Services
No fixed home-repair cap stated; heating fuel assistance listed at $600-$900 annually depending on fuel type
Michigan’s State Emergency Relief program can help with energy-related expenses, including some home repairs, for households facing an immediate need. The official page says eligible assistance can include heating fuel, electricity, and verified energy-related home repair.
View program - Free serviceOpenIncome restricted
MI Prevention
Michigan Bureau of Fire Services
Free services; no cash amount stated
Michigan’s MI Prevention program provides no-cost fire safety outreach, smoke and carbon monoxide alarm installation, and free home assessments to identify hazards. The official material says it was funded by a FEMA fire prevention grant and targets higher-risk Michigan households.
View program - LoanOpen
Michigan Saves Residential Home Energy Financing
Michigan Saves
Loan terms and amounts vary by lender; no single cap stated
Michigan Saves offers statewide home improvement financing through participating contractors and lenders. The program covers many home upgrades, and the official page says common improvements include insulation, air sealing, furnace or boiler replacement, windows, energy-efficient roofs, and appliances.
View program - Cost shareOpen
Michigan Saves Lead Abatement Cost-Share Incentive
Michigan Saves
50/50 cost-share; no dollar cap stated
Michigan Saves offers a 50/50 cost-share incentive for lead abatement. The official page says it helps homeowners and income-property owners who do not qualify for state-funded services.
View program - LoanOpen
Michigan Saves Septic Replacement Loan Program
Michigan Department of Environment, Great Lakes, and Energy and Michigan Saves
Low-interest loans; no statewide cap stated in the reviewed page
Michigan Saves and EGLE offer low-interest loans statewide to help homeowners repair or replace failing septic systems. This is a statewide financing program, not a grant, and it is intended to reduce the cost of essential home system upgrades.
View program - RebateClosed
Michigan Save Room Rebate Program
Michigan State Police Emergency Management and Homeland Security Division
Up to 75% of eligible costs, capped at $7,131.75
Michigan is accepting applications for a tornado safe room rebate for eligible homeowners. The program offers up to 75% of eligible costs, with a maximum reimbursement of $7,131.75.
View program - RebateClosed
Michigan Safe Room Rebate Program
Michigan State Police, Emergency Management and Homeland Security Division (MSP/EMHSD)
75% of allowable costs, up to $7,131.75
The State of Michigan offered homeowners a rebate for installing a FEMA-compliant tornado safe room. The rebate covered 75% of allowable costs up to $7,131.75, but the program page says applications are no longer being accepted.
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County programs
Programs limited to specific Michigan counties.
Bay County
- GrantOpen
Bay County Veterans Affairs Emergency Relief Services
Bay County Veteran Affairs Committee
Emergency help for eligible veterans; burial assistance up to $300. No cap stated for housing or utility help.
Bay County can pay certain emergency expenses for eligible veterans and dependents, including housing and utility costs. The page says items such as food, housing, rent, utilities, and vehicle repairs are considered for payment, but it does not give a dollar cap on the relief itself.
View program - Free serviceOpen
Bay County Forest Sustainability Program
Bay County Forest Sustainability Program
Free tree-health assessment and county-funded invasive-pest monitoring/treatment; no cash amount stated.
Bay County provides a no-cost tree health assessment and invasive-pest management services that help reduce tree-related hazards on private property. The official page says staff can assess stressed trees and that the program funds monitoring, suppression, and public education for invasive species.
View program - LoanOpenIncome restricted
Bay County Housing Rehabilitation Program
Bay County Housing Rehabilitation Division
Up to 100% of eligible CDBG assistance as a deferred 0% loan for households at or below 60% of AMI; 10% or 20% homeowner contribution for higher-income households.
Bay County helps eligible out-county homeowners repair and improve their primary residences with deferred, 0% interest assistance. Households at 60% of area median income or below can receive 100% of eligible project costs as a deferred loan; higher-income households must contribute part of the project cost.
View program - LoanOpenIncome restricted
Bay County Housing Rehabilitation Program
Bay County Housing Rehabilitation Division
Up to 100% of eligible CDBG assistance as a deferred 0% loan for households at or below 60% of AMI; 10% or 20% homeowner contribution for higher-income households.
Bay County helps eligible out-county homeowners repair and improve their primary residences with deferred, 0% interest assistance. Households at 60% of area median income or below can receive 100% of eligible project costs as a deferred loan; higher-income households must contribute part of the project cost.
View program - Free serviceOpen
Bay County Forest Sustainability Program
Bay County Forest Sustainability Program
Free tree-health assessment and county-funded invasive-pest monitoring/treatment; no cash amount stated.
Bay County provides a no-cost tree health assessment and invasive-pest management services that help reduce tree-related hazards on private property. The official page says staff can assess stressed trees and that the program funds monitoring, suppression, and public education for invasive species.
View program - Free serviceOpen
Weatherization
Mid Michigan Community Action
Free service; no dollar cap stated.
Mid Michigan Community Action provides free weatherization repairs to eligible households in multiple Michigan counties, including insulation, air sealing, furnace work, and some health-and-safety fixes. The service is free for eligible households and is designed to make homes safer, more comfortable, and more affordable.
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Cass County
- GrantOpen
Whole Home Performance
Cass County
Not stated
Cass County’s Whole Home Performance program gives eligible homeowners health, safety, and efficiency improvements and renovations through a single application. The county says applications open September 8 and are reviewed in the order received.
View program - GrantStatus unknownIncome restricted
Cass County Land Bank Authority Homeowner Rehabilitation Program
Cass County Land Bank Authority
Not stated in the notice
Cass County Land Bank Authority has proposed a homeowner rehabilitation program using CDBG funds to help low- and moderate-income homeowners with health, safety, code, accessibility, and energy-efficiency repairs. The public hearing documents say the county had a $1.5 million funding designation, but the application was still pending.
View program - GrantStatus unknownIncome restricted
Cass County Land Bank Authority Homeowner Rehabilitation Program
Cass County Land Bank Authority
Not stated in the notice
Cass County Land Bank Authority has proposed a homeowner rehabilitation program using CDBG funds to help low- and moderate-income homeowners with health, safety, code, accessibility, and energy-efficiency repairs. The public hearing documents say the county had a $1.5 million funding designation, but the application was still pending.
View program - GrantFunds exhaustedIncome restricted
Emergency Home Repair Grant Program
Cass County Treasurer’s Office
Up to $20,000 per home
Cass County’s Treasurer’s Office offers grants of up to $20,000 per home for low- to moderate-income homeowners to fix urgent safety problems like failing roofs, furnaces, plumbing, electrical issues, and utility hookups. The program is currently exhausted for this year, with future funding cycles possible.
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Clinton County
- Free serviceStatus unknownIncome restricted
Clinton County Weatherization Assistance Program
Capital Area Community Services, Inc. (CACS)
Free weatherization services; no dollar cap stated
CACS provides free home weatherization help to eligible residents of Clinton County. The program is funded by DOE, LIHEAP, and utility programs and is aimed at making homes more energy efficient, which can also improve resilience by reducing some weather-related damage risk.
View program - Free serviceStatus unknownIncome restricted
Clinton County Weatherization Assistance Program
Capital Area Community Services, Inc. (CACS)
Free weatherization services; no dollar cap stated
CACS provides free home weatherization help to eligible residents of Clinton County. The program is funded by DOE, LIHEAP, and utility programs and is aimed at making homes more energy efficient, which can also improve resilience by reducing some weather-related damage risk.
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Delta County
- Free serviceOpen
Delta Conservation District Forestry Assistance Program
Delta Conservation District
Free technical assistance and referrals; no dollar amount stated.
Delta Conservation District offers forest-management help to Delta County landowners through its Forestry Assistance Program, including an initial professional contact and referrals to private-sector professionals. The official page does not state a dollar amount; the benefit is free technical assistance and connection to forestry-related services.
View program - Cost shareOpen
Delta Conservation District Conservation Technical Assistance Initiative Specialist
Delta Conservation District
No homeowner dollar amount stated; local access point to conservation cost-share programs.
Delta Conservation District says it helps deliver Farm Bill conservation cost-share and technical assistance in Delta County, including on-site help and construction inspection. The official page does not name a homeowner wildfire-hardening amount, but it does document a local pathway to conservation cost-share programs.
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Eaton County
- LoanStatus unknown
Eaton County PACE District
Eaton County Treasurer and Eaton County Board of Commissioners
Financing program; no amount stated on the official page
Eaton County operates a Property Assessed Clean Energy (PACE) district that lets owners of certain real property finance renewable energy systems and energy efficiency improvements. The page does not describe a wildfire-specific homeowner grant or rebate, only a general financing program.
View program - LoanClosedIncome restricted
Emergency Home Repair Program
Eaton County Community Development Department
Up to $20,000 as a no-interest, no-payment loan
Eaton County offers no-interest, no-payment loans of up to $20,000 for emergency home repairs that address a health and safety risk in an owner-occupied home. The county says the program is no longer offered at this time, so it should be treated as closed.
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Genesee County
- Free serviceOpenIncome restricted
GCCARD Weatherization Program
Genesee County Community Action Resource Department (GCCARD)
Genesee County’s GCCARD weatherization program pays for home energy-efficiency and health-and-safety improvements for low-income residents. Covered work can include insulation, caulking, weather-stripping, furnace and water-heater replacement, and smoke and carbon monoxide detectors.
View program - LoanStatus unknown
Genesee County Metro Planning Commission Home Repair Loans
Genesee County Metropolitan Planning Commission
low-interest, low-payment loans; amount not stated
Genesee County’s metropolitan planning commission has a home repair lending program described as low-interest, low-payment loans. The official county materials say it supports repair and rehabilitation of residential structures across Genesee County.
View program - Free serviceStatus unknown
Supportive Services for Veteran Families (SSVF)
OLHSA
No dollar amount stated
OLHSA runs the Supportive Services for Veteran Families program to help eligible veterans in four counties avoid or end homelessness. Services can support rapid re-housing, transition to permanent housing, and help for veterans at risk of losing housing.
View program - Free serviceClosedIncome restricted
Genesee County Habitat for Humanity Home Repair Program
Genesee County Habitat for Humanity
Genesee County Habitat for Humanity provides home repair services for qualifying homeowners in Genesee County. The program helps low-to-moderate income homeowners fix health and safety issues in and around the home; the page says applications are currently closed.
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Grand Traverse County
- RebateOpen
Consumers Energy Home Solutions – Windows & Insulation Rebates
Consumers Energy
$15 per qualifying window, $40 per qualifying patio door, and up to $475 for insulation
Consumers Energy gives rebates for qualifying replacement windows, patio doors, and insulation. Homeowners can get $15 per qualifying window, $40 per qualifying patio door, and up to $475 for insulation work.
View program - Free serviceOpen
Consumers Energy Free Home Energy Analysis and Rebates
Consumers Energy
Free home energy analysis plus rebates up to $475 for insulation and $15 per qualifying window
Consumers Energy offers a free home energy analysis, and if the results recommend it, homeowners can also get rebates for insulation and windows. The page says eligible customers can get up to $475 for insulation and $15 per qualifying window.
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Isabella County
- GrantOpenIncome restricted
Isabella County Commission on Aging Unmet Needs Program
Isabella County Commission on Aging
Minor home repairs and related emergency needs; no dollar cap stated
Isabella County’s Commission on Aging offers the Unmet Needs Program to help older adults pay for expenses including minor home repairs, utility bills, prescription medications, and medical expenses. The page says income and asset limits apply, but it does not state a fixed dollar amount.
View program - Free serviceOpenIncome restricted
Isabella County Commission on Aging In-Home Services / Helping Hands
Isabella County Commission on Aging
Minor home repairs and related in-home help; no dollar cap stated
The county Commission on Aging offers in-home support services for adults over 60, including help with minor home repairs through its Unmet Needs program and related volunteer assistance described as Helping Hands. The page does not give any cash grant amount.
View program - GrantOpenIncome restricted
Isabella County Commission on Aging Unmet Needs Program
Isabella County Commission on Aging
Minor home repairs and related emergency needs; no dollar cap stated
Isabella County’s Commission on Aging offers the Unmet Needs Program to help older adults pay for expenses including minor home repairs, utility bills, prescription medications, and medical expenses. The page says income and asset limits apply, but it does not state a fixed dollar amount.
View program - Free serviceOpenIncome restricted
Isabella County Commission on Aging In-Home Services / Helping Hands
Isabella County Commission on Aging
Minor home repairs and related in-home help; no dollar cap stated
The county Commission on Aging offers in-home support services for adults over 60, including help with minor home repairs through its Unmet Needs program and related volunteer assistance described as Helping Hands. The page does not give any cash grant amount.
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Lapeer County
- Free serviceOpen
Local home lead services – Lapeer County
Michigan Department of Health and Human Services
Free home lead inspections and lead abatement services; no cash amount stated.
Michigan DHHS lists a county-specific lead services program for Lapeer County that provides home lead inspections and lead abatement services. The page does not give a dollar amount because the service is provided directly rather than as a cash grant.
View program - Free serviceOpen
Local home lead services – Lapeer County
Michigan Department of Health and Human Services
Free home lead inspections and lead abatement services; no cash amount stated.
Michigan DHHS lists a county-specific lead services program for Lapeer County that provides home lead inspections and lead abatement services. The page does not give a dollar amount because the service is provided directly rather than as a cash grant.
View program - GrantClosedIncome restricted
Lapeer County Housing Rehabilitation (MSHDA CHILL Grant)
Lapeer County
About $500,000 total for at least 10 homes; per-home amount not stated.
Lapeer County is using Michigan State Housing Development Authority CHILL funding to rehabilitate at least 10 homes in the county. The official notice says the program targets homeowners at or below 80% of area median income and uses about $500,000 in grant funds.
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Livingston County
- Free serviceOpenIncome restricted
A Brush with Kindness
Livingston County Habitat for Humanity
Volunteer labor only; homeowner pays for materials. No dollar cap stated.
Livingston County Habitat for Humanity provides volunteer labor for limited home-repair work for existing homeowners, including storm doors and some accessibility repairs. The program is not a cash grant; homeowners pay for materials and the work is subject to income and other eligibility rules.
View program - Free serviceStatus unknown
Supportive Services for Veteran Families (SSVF)
OLHSA
No dollar amount stated
OLHSA runs the Supportive Services for Veteran Families program to help eligible veterans in four counties avoid or end homelessness. Services can support rapid re-housing, transition to permanent housing, and help for veterans at risk of losing housing.
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Macomb County
- GrantStatus unknownIncome restricted
Comprehensive Housing Rehabilitation Program
Macomb County Community Development
50% zero-interest deferred loan and 50% grant; total project cost subject to program limits
Macomb County helps eligible low- and moderate-income homeowners pay for repairs with a package that is half zero-interest deferred loan and half grant. The program covers repairs like plumbing, roof, structural, electrical, and accessibility work, with the total project cost subject to program limits.
View program - GrantStatus unknownIncome restricted
Comprehensive Housing Rehabilitation Program
Macomb County Community Development
50% zero-interest deferred loan and 50% grant; total project cost subject to program limits
Macomb County helps eligible low- and moderate-income homeowners pay for repairs with a package that is half zero-interest deferred loan and half grant. The program covers repairs like plumbing, roof, structural, electrical, and accessibility work, with the total project cost subject to program limits.
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Mecosta County
- Free serviceOpen
Weatherization
Mid Michigan Community Action
Free service; no dollar cap stated.
Mid Michigan Community Action provides free weatherization repairs to eligible households in multiple Michigan counties, including insulation, air sealing, furnace work, and some health-and-safety fixes. The service is free for eligible households and is designed to make homes safer, more comfortable, and more affordable.
View program - GrantOpenIncome restricted
Critical Home Repair Program
Mecosta County Habitat for Humanity
Zero percent note; repayment required for many households; debt forgiven for households below 30% AMI and for veterans after a set number of payments.
Mecosta County Habitat for Humanity’s Critical Home Repair Program helps eligible homeowners in Mecosta County repair critical housing issues. The program uses a repayment structure for most households, with special forgiveness rules for very low-income homeowners and veterans.
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Midland County
- Free serviceOpen
Weatherization
Mid Michigan Community Action
Free service; no dollar cap stated.
Mid Michigan Community Action provides free weatherization repairs to eligible households in multiple Michigan counties, including insulation, air sealing, furnace work, and some health-and-safety fixes. The service is free for eligible households and is designed to make homes safer, more comfortable, and more affordable.
View program - Free serviceStatus unknown
Midland County wildfire preparedness and FireWise outreach
Midland County Emergency Management
Free FireWise educational materials and outreach
Midland County’s hazard mitigation plan describes a wildfire-protection outreach effort that would distribute FireWise educational materials in high-risk areas of the county. The page does not describe homeowner cash payments; it is an outreach/education program.
View program - Free serviceStatus unknown
Midland County wildfire preparedness and FireWise outreach
Midland County Emergency Management
Free FireWise educational materials and outreach
Midland County’s hazard mitigation plan describes a wildfire-protection outreach effort that would distribute FireWise educational materials in high-risk areas of the county. The page does not describe homeowner cash payments; it is an outreach/education program.
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Muskegon County
- Free serviceOpenIncome restricted
Mid Michigan Community Action Weatherization Assistance Program in Muskegon County
Mid Michigan Community Action Agency
No dollar amount stated; the program provides weatherization services.
Mid Michigan Community Action provides weatherization services in Muskegon County for low-income households, including energy audit work, air sealing, insulation, and some health-and-safety fixes. The agency says the program reduces costs and improves safety in the home.
View program - Free serviceOpen
Weatherization
Mid Michigan Community Action
Free service; no dollar cap stated.
Mid Michigan Community Action provides free weatherization repairs to eligible households in multiple Michigan counties, including insulation, air sealing, furnace work, and some health-and-safety fixes. The service is free for eligible households and is designed to make homes safer, more comfortable, and more affordable.
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Newaygo County
- GrantOpenIncome restricted
Emergency Home Repairs
TrueNorth Community Services
TrueNorth Community Services may help low-income Newaygo County homeowners fund emergency home repairs. The page says it can assist with roof, well, septic, furnace, certain electrical work, and other health-and-safety repairs, but it does not state a dollar cap.
View program - Free serviceOpen
Weatherization
Mid Michigan Community Action
Free service; no dollar cap stated.
Mid Michigan Community Action provides free weatherization repairs to eligible households in multiple Michigan counties, including insulation, air sealing, furnace work, and some health-and-safety fixes. The service is free for eligible households and is designed to make homes safer, more comfortable, and more affordable.
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Oakland County
- LoanStatus unknownIncome restricted
Home Improvement Program
Oakland County Neighborhood & Housing Development
Interest-free loan up to $23,000
Oakland County offers interest-free home-repair loans of up to $23,000 for eligible owner-occupants. The program can pay for repairs like roofs, siding, windows, doors, insulation, and chimney work, but it is not an emergency repair program.
View program - GrantStatus unknownIncome restricted
Mobile Home Repairs
OLHSA
Up to $5,000 per mobile home
OLHSA and its partners may offer first-come, income-eligible repair funds for mobile homes in limited Oakland County cities. Up to $5,000 per mobile home can cover eligible repairs such as roof, furnace, hot water replacement, and ADA ramps.
View program - Free serviceStatus unknown
Supportive Services for Veteran Families (SSVF)
OLHSA
No dollar amount stated
OLHSA runs the Supportive Services for Veteran Families program to help eligible veterans in four counties avoid or end homelessness. Services can support rapid re-housing, transition to permanent housing, and help for veterans at risk of losing housing.
View program - GrantClosedIncome restricted
Oakland SAVES Grant Program
Oakland County and Michigan Saves
Up to $5,000 for income-qualified households; up to $3,000 or 20% for others
Oakland County and Michigan Saves created a grant program for energy-saving home improvements, with grants up to $5,000 for income-qualified households and up to $3,000 for other Oakland County households. Eligible upgrades include insulation, air sealing, doors, windows, and HVAC equipment.
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Shiawassee County
- GrantOpens soonIncome restricted
Shiawassee County Homeowner-Occupied Rehabilitation Program
Shiawassee County Land Bank Authority in partnership with Shiawassee County
Up to $25,000 per home; county estimates about $20,000 average rehab investment
Shiawassee County is planning a countywide homeowner rehabilitation program that can fund critical home repairs for low- and moderate-income owner-occupied homes. The county says it anticipates up to $25,000 per home, with applications expected to open in 2026.
View program - LoanStatus unknownIncome restricted
Shiawassee County Housing Rehabilitation Program
City of Owosso Housing Program Office for Shiawassee County
Loan program; current maximum amount not stated in the reviewed official summary
The City of Owosso administers Shiawassee County’s Housing Rehabilitation Program, which provides loans to very low- and moderate-income homeowners in the county. The program is meant to help older homes stay safe and decent, but the official summary reviewed does not give a current dollar maximum.
View program - GrantStatus unknownIncome restricted
Michigan Veterans Trust Fund emergency relief for home repairs
Shiawassee County Veteran Services
No specific home-repair dollar amount stated; emergencies are reviewed case by case
Shiawassee County’s Veterans Services office helps eligible veterans apply for Michigan Veterans Trust Fund emergency relief, which can cover urgent home repair needs in a financial emergency. The page does not state a home-repair-specific dollar amount.
View program - Free serviceStatus unknown
Supportive Services for Veteran Families (SSVF)
OLHSA
No dollar amount stated
OLHSA runs the Supportive Services for Veteran Families program to help eligible veterans in four counties avoid or end homelessness. Services can support rapid re-housing, transition to permanent housing, and help for veterans at risk of losing housing.
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Van Buren County
- Free serviceOpen
Recycle Roundups and Electronics Recycling Events
Van Buren Conservation District
Free recycling collection events and hazardous waste drop-off services
The Van Buren Conservation District runs free county recycling collection events for residents and landowners, including disposal of hazardous waste and electronics that can reduce home fire and disaster risk.
View program - GrantOpenIncome restricted
Home Repair Funding for Eligible Homeowners
Van Buren County Government
Grant for repairs under $10,000; zero-interest, forgivable loan for repairs over $10,000
Van Buren County’s CDBG Home Repair Program helps eligible homeowners pay for major safety-related repairs, with grants for projects under $10,000 and zero-interest loans for larger jobs.
View program - GrantOpenIncome restricted
Home Repair Funding for Eligible Homeowners
Van Buren County Government
Grant for repairs under $10,000; zero-interest, forgivable loan for repairs over $10,000
Van Buren County’s CDBG Home Repair Program helps eligible homeowners pay for major safety-related repairs, with grants for projects under $10,000 and zero-interest loans for larger jobs.
View program - Free serviceOpen
Recycle Roundups and Electronics Recycling Events
Van Buren Conservation District
Free recycling collection events and hazardous waste drop-off services
The Van Buren Conservation District runs free county recycling collection events for residents and landowners, including disposal of hazardous waste and electronics that can reduce home fire and disaster risk.
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Washtenaw County
- LoanOpen
Accessibility Ramp Program
Washtenaw County Office of Community and Economic Development
Exterior wheelchair ramp installation; amount not stated
Washtenaw County provides exterior wheelchair ramps to improve home accessibility. The page confirms the benefit but does not state any dollar amount, deadlines, or application details.
View program - LoanOpen
Accessibility Ramp Program
Washtenaw County Office of Community and Economic Development
Exterior wheelchair ramp installation; amount not stated
Washtenaw County provides exterior wheelchair ramps to improve home accessibility. The page confirms the benefit but does not state any dollar amount, deadlines, or application details.
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See which programs your home qualifies for
Create a free Cindera account to see full eligibility details, get programs matched to your exact address, and get grant application help.
Create accountCity & local programs
Programs limited to specific cities or zip codes in Michigan.
- GrantOpenIncome restricted
City of Ionia CHILL Homeowner Improvement Projects
City of Ionia
$240,000 total program funding for homeowner improvement projects
The City of Ionia secured CDBG CHILL funding to help low- and moderate-income homeowners make home improvements to permanent residential structures. The city said the program would provide up to $240,000 for homeowner improvement projects, with awards delivered as grants and loans.
View program - LoanOpenIncome restricted
Homeowner Rehabilitation Assistance Program
City of Jackson Community Development Department
No-interest loan up to $25,000
The City of Jackson offers income-qualified homeowners a no-interest, short-term rehabilitation loan of up to $25,000 to replace major home systems before they fail. It can cover items like roof/gutter systems, structural repairs, plumbing, mechanical, electrical, and ingress/egress work.
View program - GrantOpenIncome restricted
Minor Home Repair Program
City of Battle Creek Community Development Division
Up to $25,000 per eligible repair
Battle Creek gives qualifying low- and moderate-income homeowners up to $25,000 for eligible health-and-safety repairs, including roof work, steps and ramps, electrical service, water/sewer lines, and similar fixes. It is a city program for homes inside Battle Creek city limits.
View program - GrantOpenIncome restricted
Homeowner Rehabilitation Grant
City of Stanton
Up to $10,000 per eligible homeowner
The City of Stanton offers homeowners up to $10,000 for qualifying rehabilitation work on homes inside Stanton city limits. The program uses MSHDA CDBG funds and accepts applications at City Hall.
View program - LoanOpenIncome restricted
City of Holland Home Repair Program
City of Holland
Up to $10,000; up to $5,000 if the project disturbs lead-based paint.
The City of Holland offers eligible low- to moderate-income homeowners up to $10,000 for needed repairs, including roofing, siding, windows, and other safety work. The assistance is paired with owner funds and paid to the contractor when the project is complete.
View program - RebateOpen
Efficiency Smart incentives for Hillsdale BPU customers
Hillsdale Board of Public Utilities in partnership with Efficiency Smart
Not stated on the Hillsdale city page
Hillsdale BPU residential and business customers can get energy-efficiency advice and financial incentives through Efficiency Smart. The city does not list specific rebate amounts on this page, but directs customers to Efficiency Smart's Hillsdale page for details and application help.
View program - GrantOpen
Operation Round Up
Hillsdale Board of Public Utilities / Community Action Agency
Utility bills round up to the next whole dollar; donation capped at $0.99/month and $11.88/year; assistance amount not stated
Hillsdale BPU customers can donate through Operation Round Up to help community members with electric, water, and wastewater utility bills. The page does not describe any home-hardening repairs or a hardening payout amount.
View program - LoanOpen
Home Surge Arrestor Program
Hillsdale Board of Public Utilities
$2 per month on the utility bill; three-year minimum commitment
The Hillsdale Board of Public Utilities sells and installs a whole-house surge protection device for its customers. It costs $2 per month on the utility bill and is meant to protect appliances and equipment from power surges, including storm-related surges.
View program - GrantOpenIncome restricted
Detroit LeadSafe Housing Program
City of Detroit, Housing and Revitalization Department
Free repairs; no public dollar cap stated on the homeowner page.
Detroit gives qualifying homeowners and renters free lead-hazard repair work to make homes safer. The city says the program is for homes with a child under 6 who lives in or regularly visits the home, or a pregnant woman, and occupants must meet income and other requirements.
View program - GrantOpenIncome restricted
Detroit Critical Home Repair Program
City of Detroit, Housing and Revitalization Department
Free repairs; no public dollar cap stated on the homeowner page.
Detroit offers free critical home repairs to eligible homeowners. The city says it addresses the most critical repair needs for homeowners in Detroit.
View program - GrantOpenIncome restricted
Genesee County Habitat for Humanity Owner Occupied Housing Repair / Emergency Repair Program in the City of Flint
Genesee County Habitat for Humanity
In Flint, Genesee County Habitat for Humanity is using City of Flint CDBG funds for owner-occupied home repair and emergency repair work. The city filing says it can cover structural fixes, code compliance, health and safety hazards, accessibility, roof repairs, exterior repairs, and some appliance/mechanical replacements.
View program - LoanOpenIncome restricted
Home Repair Program
Lakeshore Habitat for Humanity
Often no cost to qualified homeowners; no published fixed maximum on the official pages
Lakeshore Habitat for Humanity offers home repair help for eligible South Haven-area homeowners, often at no cost, using MI Neighborhood funding backed by MSHDA.
View program - GrantOpen
City of Saginaw ARPA Home Rehabilitation Program
City of Saginaw
City says it has invested $8.1 million total since 2022; no per-home award is stated.
The City of Saginaw uses ARPA funds to provide home rehabilitation assistance to qualified city homeowners. The page says the city has invested $8.1 million in the program since 2022, with examples of covered work including roof replacements and furnace replacements.
View program - GrantOpenIncome restricted
City of Saginaw Community Development Block Grant Housing Rehabilitation Programs
City of Saginaw
Grants or loans may be available; no dollar cap is stated.
The City of Saginaw uses federally awarded CDBG funds to offer grants or loans for income-qualified homeowners in targeted neighborhoods. The page does not state a dollar cap or exact repair list.
View program - Free serviceOpen
City of Saginaw Residential Cross Connection Control Program
City of Saginaw
Free required inspection service; no dollar amount stated.
The City of Saginaw requires every residence to complete a free residential cross-connection inspection that checks plumbing for backflow risks and helps protect drinking water. It is not a cash grant or rebate; the city provides an inspection service and can interrupt water service if the inspection is not arranged.
View program - LoanOpenIncome restricted
Housing Rehabilitation Assistance
City of Jackson Community Development Department
Loan or grant; amount not stated on the main page
The City of Jackson offers low-income homeowners and qualifying landlords loan/grant help for residential repairs to bring properties up to code. The city says the program uses federal funds and can be a 0% interest loan or grant.
View program - GrantOpen
Curb Appeal Program
City of Jackson
Financial assistance; amount not stated on the page snippet reviewed
The City of Jackson offers financial assistance for eligible home improvements to the front of your home. The program is aimed at exterior improvements that improve the look of the property, not a disaster-hardening program specifically.
View program - Free serviceOpenIncome restricted
Lead-Based Paint Hazard Remediation
City of Kalamazoo, partnered with KNHS Home Ownership Services
No dollar cap stated; eligible lead hazard work is provided at no cost to the resident.
The City of Kalamazoo pays for lead-hazard cleanup in older homes at no cost to eligible residents. It is aimed at reducing unsafe lead exposure in homes built before 1978.
View program - GrantOpenIncome restricted
Critical homeowner repair program
City of Kalamazoo (programmed through nonprofit partners; city RFP describes the program)
No dollar cap stated in the official RFP.
The City of Kalamazoo funds critical home repairs for low-income owner-occupied households in the city. The program can pay for safety-related repairs like roofs, electrical, plumbing, furnaces, water heaters, and accessibility work.
View program - GrantOpen
City of Saginaw ARPA Home Rehabilitation Program
City of Saginaw
City says it has invested $8.1 million total since 2022; no per-home award is stated.
The City of Saginaw uses ARPA funds to provide home rehabilitation assistance to qualified city homeowners. The page says the city has invested $8.1 million in the program since 2022, with examples of covered work including roof replacements and furnace replacements.
View program - GrantOpenIncome restricted
City of Saginaw Community Development Block Grant Housing Rehabilitation Programs
City of Saginaw
Grants or loans may be available; no dollar cap is stated.
The City of Saginaw uses federally awarded CDBG funds to offer grants or loans for income-qualified homeowners in targeted neighborhoods. The page does not state a dollar cap or exact repair list.
View program - Free serviceOpen
City of Saginaw Residential Cross Connection Control Program
City of Saginaw
Free required inspection service; no dollar amount stated.
The City of Saginaw requires every residence to complete a free residential cross-connection inspection that checks plumbing for backflow risks and helps protect drinking water. It is not a cash grant or rebate; the city provides an inspection service and can interrupt water service if the inspection is not arranged.
View program - Free serviceOpen
Residential Safety Program
Grand Rapids Fire Department
Free home safety assessment, smoke alarm installation, and CO alarm installation
The City of Grand Rapids Fire Department provides free home safety assessments and installs smoke alarms and carbon monoxide detectors for eligible homeowners in Grand Rapids. The program is voluntary and focused on preventing fires and reducing their severity.
View program - Free serviceOpen
City of Muskegon Smoke Detector Program
Muskegon Fire Department
Free smoke detector installation; no dollar cap stated.
The City of Muskegon Fire Department installs smoke detectors for city homeowners who apply and are added to a waiting list. Installation is done in the order applications are received, subject to detector availability.
View program - Free serviceOpen
MDHHS Benton Harbor Lead Safe Home Program
Michigan Department of Health and Human Services
Free lead inspection, plumbing replacement, and lead abatement for owner-occupied homes; rental owners may pay a small share of lead abatement only.
Benton Harbor residents can get free lead inspections, plumbing replacement, and lead abatement through the MDHHS Lead Safe Home Program. The program says there is no cost for plumbing or lead abatement in owner-occupied homes, and rental owners only contribute a small amount to lead abatement.
View program - LoanOpenIncome restricted
Housing Rehabilitation Assistance
City of Jackson Community Development Department
Loan or grant; amount not stated on the main page
The City of Jackson offers low-income homeowners and qualifying landlords loan/grant help for residential repairs to bring properties up to code. The city says the program uses federal funds and can be a 0% interest loan or grant.
View program - GrantOpen
Curb Appeal Program
City of Jackson
Financial assistance; amount not stated on the page snippet reviewed
The City of Jackson offers financial assistance for eligible home improvements to the front of your home. The program is aimed at exterior improvements that improve the look of the property, not a disaster-hardening program specifically.
View program - Free serviceOpen
Paint Program
City of Battle Creek
Up to 10 gallons of free exterior paint
Battle Creek gives eligible owner-occupied homeowners up to 10 gallons of free exterior paint. The program is aimed at property upkeep and exterior maintenance, and projects are reviewed and inspected.
View program - LoanOpenIncome restricted
Home Repair Program
Lakeshore Habitat for Humanity
Often no cost to qualified homeowners; no published fixed maximum on the official pages
Lakeshore Habitat for Humanity offers home repair help for eligible South Haven-area homeowners, often at no cost, using MI Neighborhood funding backed by MSHDA.
View program - GrantOpenIncome restricted
Michigan Housing Opportunities Promoting Energy-Efficiency (MI-HOPE) – City of Three Rivers
City of Three Rivers (grant from Michigan State Housing Development Authority)
$200,000 total program funding; no per-home maximum stated on the official page
The City of Three Rivers offers income-qualified homeowners grant funding for energy-efficient home improvements through the MI-HOPE program. The page says $200,000 total funding is available, including $150,000 from MSHDA and $50,000 from the city.
View program - LoanOpen
Home Surge Arrestor Program
Hillsdale Board of Public Utilities
$2 per month on the utility bill; three-year minimum commitment
The Hillsdale Board of Public Utilities sells and installs a whole-house surge protection device for its customers. It costs $2 per month on the utility bill and is meant to protect appliances and equipment from power surges, including storm-related surges.
View program - RebateOpen
Efficiency Smart incentives for Hillsdale BPU customers
Hillsdale Board of Public Utilities in partnership with Efficiency Smart
Not stated on the Hillsdale city page
Hillsdale BPU residential and business customers can get energy-efficiency advice and financial incentives through Efficiency Smart. The city does not list specific rebate amounts on this page, but directs customers to Efficiency Smart's Hillsdale page for details and application help.
View program - GrantOpen
Operation Round Up
Hillsdale Board of Public Utilities / Community Action Agency
Utility bills round up to the next whole dollar; donation capped at $0.99/month and $11.88/year; assistance amount not stated
Hillsdale BPU customers can donate through Operation Round Up to help community members with electric, water, and wastewater utility bills. The page does not describe any home-hardening repairs or a hardening payout amount.
View program - GrantOpen
Façade Grant Program
City of Newaygo Tax Increment Finance Authority and Local Development Finance Authority
Up to 50% of eligible costs
The City of Newaygo offers a competitive matching façade grant for commercial and mixed-use properties in its TIFA or LDFA districts. It can cover up to 50% of eligible costs for permanent building improvements, subject to funding availability.
View program - Free serviceStatus unknown
Midland Fire Department free smoke alarm installation and home fire safety checks
City of Midland Fire Department
Free smoke alarms, free installation, and free home fire safety checks
The City of Midland Fire Department offers free smoke alarms, free alarm installation, and free home fire safety checks for Midland residents. The city says the program is meant to help make homes safer from fire risk.
View program - GrantStatus unknown
Generating Change Program
Marquette Board of Light & Power
One-time utility assistance; no hardening amount is stated.
Marquette Board of Light & Power’s Generating Change program provided one-time utility assistance for customers who could not pay winter electric bills. The page says it was funded by customer donations through bill-roundup contributions and administered by the Salvation Army of Marquette County.
View program - GrantStatus unknown
Marquette Board of Light and Power Generating Change Program
Marquette Board of Light and Power
One-time utility assistance; no hardening amount is stated.
Marquette Board of Light and Power’s Generating Change program gave one-time utility assistance to customers facing winter bill trouble, but the official page does not show that it is currently open for applications or that it funds home hardening work.
View program - GrantStatus unknown
Oakland County-Habitat for Humanity Roof-Ramp-Repair Program
Oakland County and Habitat for Humanity of Oakland County
Oakland County and Habitat for Humanity of Oakland County established a minor home-repair grant program for eligible Pontiac households. The program can pay for roofs, windows, doors, decks, and other repairs, with winter emergency referrals handled separately.
View program - GrantStatus unknown
Pontiac Home Repair Program
City of Pontiac
Pontiac’s home repair grant program offers help with repairs including roofs, heating systems, plumbing, water heaters, electrical hazards, windows, doors, and decks. Oakland County says it stopped taking county Home Improvement applications for Pontiac as of 2025-02-01, pointing Pontiac residents to the city instead.
View program - LoanStatus unknownIncome restricted
City of Muskegon Community & Neighborhood Services Home Repair Program
City of Muskegon Community & Neighborhood Services
No fixed maximum stated; some programs require a $60-$500 co-pay depending on income.
The City of Muskegon helps eligible homeowners pay for essential home repairs, including roof, siding, furnace, water heater, plumbing/sewer, electrical, and foundation work. Some repairs require a forgivable lien, and some programs require a small co-pay ranging from $60 to $500.
View program - GrantStatus unknownIncome restricted
City of Muskegon Fair Housing Repair Program
City of Muskegon Community & Neighborhood Services
The application says the city covers the full cost of labor and materials for approved repairs; no dollar cap is stated.
The City of Muskegon offers exterior home repair help for income-qualified homeowners in eligible census tracts. The application says the city can cover the full cost of labor and materials for approved repairs.
View program - Free serviceStatus unknown
Midland Fire Department free smoke alarm installation and home fire safety checks
City of Midland Fire Department
Free smoke alarms, free installation, and free home fire safety checks
The City of Midland Fire Department offers free smoke alarms, free alarm installation, and free home fire safety checks for Midland residents. The city says the program is meant to help make homes safer from fire risk.
View program - GrantStatus unknown
Marquette Board of Light and Power Generating Change Program
Marquette Board of Light and Power
One-time utility assistance; no hardening amount is stated.
Marquette Board of Light and Power’s Generating Change program gave one-time utility assistance to customers facing winter bill trouble, but the official page does not show that it is currently open for applications or that it funds home hardening work.
View program - GrantStatus unknown
Generating Change Program
Marquette Board of Light & Power
One-time utility assistance; no hardening amount is stated.
Marquette Board of Light & Power’s Generating Change program provided one-time utility assistance for customers who could not pay winter electric bills. The page says it was funded by customer donations through bill-roundup contributions and administered by the Salvation Army of Marquette County.
View program - Free serviceStatus unknown
Midland Fire Department free smoke alarms and fire safety checks
City of Midland Fire Department
Free smoke alarms, free installation, and free home fire safety checks
The Midland Fire Department offers free smoke alarms, free alarm installation, and free home fire safety checks for eligible Midland residents. The program is intended to reduce fire risk and make homes safer from fire.
View program - GrantClosed
Neighborhood Enhancement Program (District 2) – City of Three Rivers
City of Three Rivers (grant from Michigan State Housing Development Authority)
Up to $7,499 per home
The City of Three Rivers offered homeowners up to $7,499 for exterior home improvements in District 2. The official page says the money comes from an MSHDA Neighborhood Enhancement Program grant and is for owner-occupied homes in a defined neighborhood area.
View program - GrantClosed
Neighborhood Enhancement Program (MSHDA) – City of Three Rivers
City of Three Rivers (grant from Michigan State Housing Development Authority)
Up to $7,499 per home
The City of Three Rivers offers homeowners in District 2 up to $7,499 for exterior home improvements through an MSHDA Neighborhood Enhancement Program grant. The program is for owner-occupied homes in the target area and was funded by a $50,000 state grant.
View program
Nationwide programs
Federal and national programs Michigan homeowners can also use.
- 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
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 - 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 - LoanOpenIncome restricted
USDA Rural Development Section 504 Home Repair Program
USDA Rural Development
Lifetime grant maximum $10,000; loan terms also available
Cortland County’s official resource guide points homeowners to USDA’s Section 504 repair loans and grants for fixing health and safety hazards. The guide says grants can reach $10,000 lifetime and are for homeowners age 62+ who cannot afford a loan.
View program - GrantOpen
Home Improvement and Structural Alterations (HISA) grant
Veterans Health Administration
Up to $6,800 lifetime for service-connected veterans; up to $2,000 for non-service-connected veterans.
The Veterans Health Administration’s HISA grant helps eligible veterans modify their homes for access and essential bathroom needs. The lifetime benefit is capped at $6,800 for service-connected veterans and $2,000 for non-service-connected veterans.
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 - RebateOpen
Alabama Power Rebates & Incentives
Alabama Power
Up to $1,000 on a heat pump; up to $200 on a smart thermostat; free tank water heater or $500 rebate for electric conversion
Alabama Power offers limited-time rebates for qualifying residential customers, including up to $1,000 back for a high-efficiency heat pump and up to $200 back for a smart thermostat. These are energy programs, not wildfire-specific hardening grants.
View program - RebateOpen
Alabama Power Energy Assistant heat-pump rebate for Talladega County-area customers
Alabama Power
$1,000 one-time rebate
Alabama Power offers a $1,000 rebate for eligible customers who switch from a gas furnace to a high-efficiency heat pump. This is a utility rebate, not a county-only program, but it is available to Alabama Power residential customers in Talladega County if they meet the utility’s rules.
View program - Free serviceOpen
Minnesota Firewise Program homeowner kits and DIY wildfire risk assessment
Minnesota Department of Natural Resources
Free kit and assessment form; no cash payment.
The Minnesota DNR mails homeowners a free Firewise kit with a DIY home risk assessment form and brochures. It is a no-cost service for homeowners who want to reduce wildfire risk.
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
Georgia Power EASE Program
Georgia Power
Free improvements; dollar cap not stated.
Georgia Power says income-qualified customers may receive free home energy-efficiency improvements through its EASE program. The official page describes it as no-cost help for eligible Georgia Power customers, but does not publish a dollar cap.
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 - 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 - 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 - 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 - 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
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 - 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 - 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 - 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 - 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 - 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 serviceOpenIncome restricted
Weatherization Assistance Program
Alliant Energy
Free weatherization services; no dollar cap stated.
Alliant Energy offers free home weatherization for qualifying Iowa customers through the Weatherization Assistance Program. The work includes insulation, air sealing, and non-emergency furnace repair or replacement, but the page does not identify Marshall County as a separate county-specific program.
View program - LoanOpen
Title I Property Improvement Loans
U.S. Department of Housing and Urban Development
No cap stated; loans over $7,500 must be secured against the property.
HUD insures private lender loans for property improvements that substantially protect or improve a home’s basic livability or utility. The page says balances over $7,500 must be secured against the subject property.
View program - LoanOpen
Title I Manufactured Home Loan Program
U.S. Department of Housing and Urban Development
Insured private mortgage loans for a manufactured home, lot, or both; no cap stated on this page.
HUD insures private lender loans that help homeowners buy or refinance a manufactured home, a manufactured home lot, or both. The program protects lenders against loss on default; it is not a grant and the page does not state a fixed dollar cap here.
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 - GrantOpenIncome restricted
USDA Housing Repair Loans & Grants
United States Department of Agriculture Rural Development
USDA Rural Development offers Section 504 home repair loans and grants for very-low-income homeowners to repair, improve, or modernize homes and remove health and safety hazards.
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 - 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 - 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
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 - 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 - 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 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 - 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 - 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 - 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 - 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 - 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
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
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 - 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 - Free serviceOpen
Firewise
Mississippi Forestry Commission
Free wildfire-preparedness education and guidance; no cash amount stated
The Mississippi Forestry Commission’s Firewise program gives homeowners and community leaders wildfire-preparedness education and guidance for reducing home ignition risk. The official page describes it as a free educational program, but it does not state a cash amount.
View program - Free serviceOpenIncome restricted
Georgia Power EASE Program
Georgia Power
Free improvements; dollar cap not stated.
Georgia Power says income-qualified customers may receive free home energy-efficiency improvements through its EASE program. The official page describes it as no-cost help for eligible Georgia Power customers, but does not publish a dollar cap.
View program - LoanOpen
Title I Manufactured Home Loan Program
U.S. Department of Housing and Urban Development
Insured private mortgage loans for a manufactured home, lot, or both; no cap stated on this page.
HUD insures private lender loans that help homeowners buy or refinance a manufactured home, a manufactured home lot, or both. The program protects lenders against loss on default; it is not a grant and the page does not state a fixed dollar cap here.
View program - LoanOpen
Title I Property Improvement Loans
U.S. Department of Housing and Urban Development
No cap stated; loans over $7,500 must be secured against the property.
HUD insures private lender loans for property improvements that substantially protect or improve a home’s basic livability or utility. The page says balances over $7,500 must be secured against the subject property.
View program - Insurance discountOpen
Chaves County Homeowners Insurance / Wildfire Prepared Home Program information page
New Mexico Office of the Superintendent of Insurance
No cash amount stated; possible insurance-rate benefit after certification
New Mexico’s insurance regulator points homeowners to the IBHS Wildfire Prepared Home program, which can lead to a certificate that may help lower insurance rates after a home is hardened. This is a certification/insurance-related benefit rather than a cash grant, and the state does not limit it to a specific Chaves County locality.
View program - LoanOpenIncome restricted
USDA Section 504 Single Family Repair Loans and Grants
USDA
Loan and/or grant funds available; no dollar cap stated.
USDA Section 504 offers loans and grants for very-low income applicants who cannot qualify for conventional bank financing. Grant funds may be used for repairs or improvements that fix identified health or safety hazards.
View program - Insurance discountOpen
Insurance Discounts and Savings for Homeowners
New York State Department of Financial Services
No fixed amount stated; savings depend on the insurer and the qualifying mitigation measure.
New York DFS says homeowners may be eligible for insurance discounts when they install risk-reducing upgrades, and insurers must provide discounts for hurricane-resistant shutters and hurricane-resistant windows and doors. The page also lists other possible savings tied to fire, theft, water, earthquake, lightning, and roof-hardening measures.
View program - Insurance discountOpen
Wildfire Prepared Home
Insurance Institute for Business & Home Safety (IBHS)
No cash amount stated; possible insurance-rate savings.
IBHS runs a homeowner-led wildfire hardening certification program that can help homeowners qualify for insurance discounts after passing an evaluation. The program is available in New Mexico and other western and southern states, but it does not provide a cash grant.
View program - GrantOpenIncome restricted
USDA Housing Repair Loans & Grants
United States Department of Agriculture Rural Development
USDA Rural Development offers Section 504 home repair loans and grants for very-low-income homeowners to repair, improve, or modernize homes and remove health and safety hazards.
View program - Free serviceOpen
Firewise for communities
Minnesota Department of Natural Resources
Funding opportunities and mentorship; no fixed dollar amount stated.
The Minnesota DNR provides Firewise communities with funding opportunities and mentorship for wildfire preparedness work. The page specifically says staff can help with home site assessments, mitigation projects, education, and access improvement projects.
View program - Free serviceOpen
Cherokee Nation Wildfire Prevention Program
Cherokee Nation Secretary of Natural Resources Office
Cherokee Nation provides free wildfire-prevention outreach and home-protection education on Cherokee Nation lands. The page does not list a cash grant, rebate, or dollar amount for home-hardening work.
View program - Free serviceOpen
Firewise (Mississippi Forestry Commission educational program)
Mississippi Forestry Commission
Free educational program; no cash benefit stated
The Mississippi Forestry Commission offers Firewise, a free educational program that helps homeowners and community leaders reduce wildfire risk. It teaches defensible space, fire-resistant landscaping and building choices, and home maintenance for wildfire resilience.
View program - Free serviceOpenIncome restricted
Weatherization Assistance Program
Alliant Energy
Free weatherization services; no dollar cap stated.
Alliant Energy offers free home weatherization for qualifying Iowa customers through the Weatherization Assistance Program. The work includes insulation, air sealing, and non-emergency furnace repair or replacement, but the page does not identify Marshall County as a separate county-specific program.
View program - GrantOpen
Community Fire Prevention Grants
Tennessee Department of Agriculture, Division of Forestry
This Division of Forestry page is the umbrella landing page for wildfire-prevention funding and technical help for communities, groups, and organizations. It points to the currently available programs, including the Hazard Mitigation and Community Education Grant and the Community Wildfire Defense Grant.
View program - Free serviceOpen
Georgia Forestry Commission pre-suppression firebreak plowing and harrowing
Georgia Forestry Commission
Paid service with posted hourly rates; minimum one hour, then billed by the hour meter
The Georgia Forestry Commission will plow pre-suppression firebreaks for landowners, which can help reduce wildfire spread around homes and property. The service is scheduled first come, first served and is charged at the agency’s posted equipment rates after the first hour.
View program - Free serviceOpen
Fort Mountain Firewise USA community
Georgia Forestry Commission
No dollar amount stated; community wildfire-risk program
Fort Mountain in Murray County is listed by the Georgia Forestry Commission as a Firewise USA community. Firewise is a homeowner/community wildfire-risk-reduction program, but the official Georgia page does not show a cash amount for residents.
View program - Free serviceOpen
Community Wildfire Protection Plan for Murray County
Georgia Forestry Commission
No homeowner funding stated; planning/resource page
The Georgia Forestry Commission hosts Murray County’s Community Wildfire Protection Plan, which is a planning and education resource for wildfire mitigation. It is not a homeowner cash program, but it can connect residents to wildfire-risk-reduction guidance.
View program - GrantOpens soon
Hazard Mitigation and Community Education Grants
Tennessee Department of Agriculture, Division of Forestry
No fixed amount stated on the official page.
The state forestry division gives grants to communities, groups, and organizations in wildfire-risk areas to reduce wildfire hazard and educate residents. The page says communities with a Community Wildfire Prevention Plan can apply, and the 2027 application window is October 15 to November 15, 2026.
View program - GrantOpens soon
Hazard Mitigation and Community Education Grants
Tennessee Department of Agriculture, Division of Forestry
No fixed amount stated on the official page.
The state forestry division gives grants to communities, groups, and organizations in wildfire-risk areas to reduce wildfire hazard and educate residents. The page says communities with a Community Wildfire Prevention Plan can apply, and the 2027 application window is October 15 to November 15, 2026.
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 - 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 - 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 - GrantClosed
FACNM Microgrants
Fire Adapted New Mexico
Up to $2,000 per award.
Fire Adapted New Mexico offers microgrant awards of up to $2,000 for community wildfire preparedness, on-the-ground fire risk reduction, and grant proposal development. The program is for FACNM Leaders and Members, with first-time applicants and leaders getting priority.
View program - GrantClosedIncome 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 - 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.
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