Oregon wildfire home hardening grants & rebates

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.