Grants directory
Vermont wildfire home hardening grants & rebates
Every live program we track for Vermont 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 Vermont.
- Tax creditOpen
Vermont Downtown and Village Center Tax Credit Program - Flood Mitigation Tax Credit
Vermont Department of Housing and Community Development / State Board
50% of qualified expenditures, up to $100,000
Vermont offers a state tax credit for qualified flood mitigation projects. The credit is 50% of qualified expenditures, up to $100,000.
View program - Tax creditOpen
Downtown and Village Center Program tax credits — flood mitigation credit
Vermont Downtown and Village Center Tax Credit Program State Board
50% of qualified costs, up to $100,000.
Vermont offers a state tax credit for qualified flood mitigation projects: 50% of qualified expenditures up to $100,000. This is a state tax incentive, but it is tied to the Downtown and Village Center Program rather than a general homeowner rebate.
View program - Tax creditOpen
Downtown and Village Center Program tax credits — flood mitigation tax credit
Vermont Department of Housing and Community Development / State Board
50% of qualified expenditures, up to $100,000.
Vermont offers a state tax credit for qualified flood mitigation projects in the Downtown and Village Center Program. The credit equals 50% of qualified expenditures, up to $100,000.
View program - Tax creditOpen
Downtown and Village Center Program tax credits — code improvement tax credit
Vermont Downtown and Village Center Tax Credit Program State Board
50% of qualified expenditures; caps range from $12,000 to $100,000 depending on the code improvement.
Vermont offers a state tax credit for qualified code improvement projects in the Downtown and Village Center Program. The credit is 50% of qualified expenditures, with different dollar caps depending on the type of code improvement.
View program - Tax creditOpen
Downtown and Village Center Program tax credits — code improvement credit for sprinkler systems
Vermont Downtown and Village Center Tax Credit Program State Board
50% of qualified costs, up to $50,000 for a sprinkler system.
Vermont offers a state tax credit for approved code-improvement projects, including up to $50,000 for installing or improving a sprinkler system. This is limited to qualified applicants in the Downtown and Village Center Program.
View program - LoanOpenIncome restricted
Home Repair Loans and Grants
USDA Rural Development
Loans up to $40,000; grants up to $10,000 for applicants age 62+.
USDA Rural Development offers very low-income home repair loans and grants for eligible rural homeowners and mobile home owners in approved parks. Loans can go up to $40,000, and eligible applicants age 62 or older may receive grants up to $10,000 for health, safety, and accessibility work.
View program - Tax creditOpen
Downtown and Village Center Program tax credits — façade improvement tax credit
Vermont Downtown and Village Center Tax Credit Program State Board
25% of qualified expenditures, up to $25,000.
Vermont offers a state tax credit for qualified façade improvement projects in the Downtown and Village Center Program. The credit is 25% of qualified expenditures, up to $25,000.
View program - GrantOpen
Home Weatherization Assistance Program (State supplement)
Vermont State Office of Economic Opportunity
Up to an average of $15,300 per unit; $4,500 per multifamily unit on average
Vermont supplements the federal Home Weatherization Assistance Program and can provide up to an average of $15,300 per unit for eligible weatherization work. It is aimed at reducing energy loss rather than disaster hardening, but it can still support some resilience-related envelope improvements.
View program - GrantOpenIncome restricted
Home Weatherization Assistance Program (State Weatherization Assistance Program supplement)
State Office of Economic Opportunity, Department for Children and Families
Up to an average of $15,300 per unit; multifamily average $4,500 per unit.
Vermont’s state weatherization program pays for low-income homeowners to make homes safer and more energy efficient, with state funding that can average up to $15,300 per unit. The statute does not list wildfire-specific measures, but weatherization work commonly overlaps with home hardening through repair and envelope improvements.
View program - Free serviceOpenIncome restricted
Home Weatherization Assistance Program / State Home Weatherization Assistance Program
State Office of Economic Opportunity
Up to an average of $15,300 per unit; multifamily average up to $4,500 per unit
Vermont’s state weatherization program provides free home energy-efficiency upgrades, with enhanced state assistance that can average up to $15,300 per unit. It is run by the State Office of Economic Opportunity and supplements the federal weatherization program.
View program - GrantOpen
Vermont Rural Fire Protection Program
Vermont Association of Conservation Districts / Vermont Rural Fire Protection Task Force
Up to $10,000 per project/system, with a 25% local match; the program notes the maximum grant could be as much as $20,000 if other criteria are met.
Vermont towns and fire departments can get up to $10,000 per project to improve rural fire suppression water access and drafting sites, with a 25% local match required. The program focuses on dry hydrants and other rural water supplies, not direct homeowner grants.
View program - RebateOpen
Home Performance with ENERGY STAR
Efficiency Vermont
Up to $7,000 cash back
Efficiency Vermont offers rebates for home weatherization projects. The official program page says Vermont rental properties with one to four units are also eligible, and the rebate is available through participating utilities or Efficiency Vermont.
View program - RebateOpenIncome restricted
Weatherization Rebates for Income-Qualified Households
Vermont Gas Systems
75% of project cost up to $7,000 for moderate-income households; low-income tier also listed on the official page
Vermont Gas offers weatherization rebates for income-qualified households in its service territory. The official page says moderate-income customers can get 75% back up to $7,000, and low-income customers can qualify for larger support.
View program - Insurance discountOpen
Insurance discrimination and rebates prohibition
Vermont Legislature
No program benefit amount stated; this is a prohibition on rebates and discriminatory pricing.
Vermont law prohibits fire and casualty insurers from giving premium rebates, special favors, or other unlisted inducements to select insureds. This is an insurance rule, but it does not create a homeowner hardening discount program.
View program - Free serviceOpenIncome restricted
Income Qualified Weatherization Assistance Program
Efficiency Vermont
Free service; amount not stated
Efficiency Vermont lists a free Income Qualified Weatherization Assistance Program for residential properties. The program is part of the utility’s rebate and assistance lineup and is intended to provide weatherization help at no cost to eligible households.
View program - LoanOpen
Weatherization Repayment Assistance Program (WRAP)
Vermont Gas Systems
Financing through monthly utility-bill repayment; specific cap not stated
Vermont Gas offers an on-bill repayment program that helps eligible customers finance weatherization improvements, heat pumps, and other energy-saving upgrades. The official page says repayment is spread through monthly charges on the utility bill.
View program - Tax creditOpenIncome restricted
Homeowner Assistance Program / Homeowner rebate / Homeowner relief-related tax credit and rebate
Vermont Department of Taxes
Homestead property tax credit / refund allocation; amount not stated in this excerpt
Vermont’s homestead property tax system gives eligible homeowners a state tax benefit tied to their homestead. The statute sets filing rules and references the homestead property tax credit and allocation of an income tax refund to homestead property tax payment.
View program - LoanOpen
Manufactured Housing Down Payment Loan Program
Champlain Housing Trust
Champlain Housing Trust offers a manufactured housing down payment loan program to help mobile home owners purchase or replace a mobile home with an Energy Star rated manufactured home. The page does not state a loan amount.
View program - GrantOpenIncome restricted
Vermont Housing and Conservation Board Purchase Subsidy Program
Champlain Housing Trust
Champlain Housing Trust administers a statewide purchase subsidy program that helps low-income households upgrade or replace deteriorated mobile homes in VHCB-assisted mobile home parks and can also provide down payment assistance and foreclosure prevention support. The page does not give a dollar amount.
View program - LoanOpenIncome restricted
Home Energy Loans
Efficiency Vermont
0% interest financing for low- and moderate-income households; low rates for incomes over $90,000.
Efficiency Vermont offers 0% interest home energy loans for weatherization and heating projects, and the loans can also include related health and safety measures and repairs up to 50% of the total loan amount. Lower rates are available for incomes over $90,000.
View program - GrantOpenIncome restricted
Home Access Program
Vermont Center for Independent Living
The Vermont Center for Independent Living’s Home Access Program provides home entry and bathroom accessibility modifications for low-income Vermonters with physical disabilities. The page does not state a dollar amount.
View program - Tax creditOpen
Downtown and Village Center Program tax credits — historic rehabilitation tax credit
Vermont Downtown and Village Center Tax Credit Program State Board
10% of qualified rehabilitation expenditures; no separate dollar cap stated on the page.
Vermont offers a state tax credit for qualified historic rehabilitation projects in the Downtown and Village Center Program. The credit is 10% of qualified rehabilitation expenditures tied to federally certified rehabilitation.
View program - LoanOpen
Weatherization Repayment Assistance Program (WRAP)
Vermont Gas Systems
Financing through monthly utility-bill repayment; specific cap not stated
Vermont Gas offers an on-bill repayment program that helps eligible customers finance weatherization improvements, heat pumps, and other energy-saving upgrades. The official page says repayment is spread through monthly charges on the utility bill.
View program - Free serviceOpenIncome restricted
Income Qualified Weatherization Assistance Program
Efficiency Vermont
Free service; amount not stated
Efficiency Vermont lists a free Income Qualified Weatherization Assistance Program for residential properties. The program is part of the utility’s rebate and assistance lineup and is intended to provide weatherization help at no cost to eligible households.
View program - Tax creditStatus unknown
Vermont Flood Mitigation Tax Credit under the New Construction or Rehabilitation in Flood-Impacted Communities subchapter
Vermont Department of Taxes / State Board
Vermont’s flood-impacted communities tax credit includes a flood mitigation credit for qualifying improvements. The statute page confirms the credit exists, but the detailed amount and rules are not fully visible on the page reviewed.
View program - GrantStatus unknown
Community Resilience and Disaster Mitigation Grant Program
Vermont Department of Public Safety, Vermont Emergency Management
Vermont runs a municipal grant program for disaster mitigation, adaptation, and repair. The statute is statewide, but the money goes to covered municipalities rather than directly to homeowners.
View program - GrantStatus unknown
Community Resilience and Disaster Mitigation Grant Program
Vermont Department of Public Safety, Vermont Emergency Management
Vermont runs a municipal grant program for disaster mitigation, adaptation, and repair. The statute is statewide, but the money goes to covered municipalities rather than directly to homeowners.
View program - Tax creditStatus unknown
Vermont Flood Mitigation Tax Credit under the New Construction or Rehabilitation in Flood-Impacted Communities subchapter
Vermont Department of Taxes / State Board
Vermont’s flood-impacted communities tax credit includes a flood mitigation credit for qualifying improvements. The statute page confirms the credit exists, but the detailed amount and rules are not fully visible on the page reviewed.
View program
County programs
Programs limited to specific Vermont counties.
Bennington County
- Free serviceOpenIncome restricted
BROC Home Weatherization
BROC Community Action
No-cost service; amount not stated
BROC offers no-cost weatherization and home-efficiency work for income-eligible residents in Bennington County. The program is described as available to homeowners, renters, apartments, and mobile homes, but the official page does not frame it as a wildfire-specific hardening program.
View program - Free serviceOpenIncome restricted
BROC Home Weatherization
BROC Community Action
No-cost service; amount not stated
BROC offers no-cost weatherization and home-efficiency work for income-eligible residents in Bennington County. The program is described as available to homeowners, renters, apartments, and mobile homes, but the official page does not frame it as a wildfire-specific hardening program.
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Rutland County
- Free serviceOpen
Rutland Regional Disaster Cooperative / Regional Emergency Management Coordination
Rutland Regional Planning Commission
No direct homeowner payment stated
Rutland Regional Planning Commission coordinates countywide emergency management support for Rutland County municipalities through the Rutland Regional Disaster Cooperative. It is a free planning and coordination service, not a homeowner cash grant, but it can help towns prepare hazard mitigation plans and coordinate disaster readiness.
View program - Cost shareOpen
Clean Water Service Provider projects in western Rutland County
Rutland Regional Planning Commission and Poultney Mettowee Natural Resources Conservation District
No homeowner maximum stated; project funding is based on phosphorus-reduction targets and cost-per-kilogram limits
Rutland Regional Planning Commission and the Poultney Mettowee Natural Resources Conservation District help fund eligible clean-water projects in western Rutland County. The program is aimed at phosphorus reduction and floodplain/stormwater restoration, not direct homeowner hardening, and the page does not give a homeowner grant amount.
View program - Free serviceOpen
Rutland Regional Emergency Management
Rutland Regional Planning Commission
No direct homeowner payment stated
Rutland Regional Planning Commission provides emergency management planning, training, and coordination support for Rutland-area municipalities. It is a free regional service focused on preparedness, hazard mitigation, response, and recovery rather than a direct homeowner grant.
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Windham County
- LoanOpenIncome restricted
Green Mountain Home Repair
Windham & Windsor Housing Trust
Low-cost repair loan; limited-time $7,500 grant for qualified applicants
Windham & Windsor Housing Trust offers low-cost home repair loans for critical health, safety, and energy-efficiency projects, and for a limited time qualified applicants can also receive a $7,500 grant to help offset loan costs.
View program - GrantOpenIncome restricted
Special health and safety repair grant program
Windham & Windsor Housing Trust
Grant amount not stated
Windham & Windsor Housing Trust offers grants for health and safety home repairs to residents of Andover, Jamaica, Londonderry, Weston, and Windham, funded by the Fanny Holt Ames and Edna Louise Holt Fund.
View program - GrantOpenIncome restricted
Special health and safety repair grant program
Windham & Windsor Housing Trust
Grant amount not stated
Windham & Windsor Housing Trust offers grants for health and safety home repairs to residents of Andover, Jamaica, Londonderry, Weston, and Windham, funded by the Fanny Holt Ames and Edna Louise Holt Fund.
View program - GrantOpens soonIncome restricted
Windham County Lead Hazard Control and Healthy Homes Capacity Building Program
Windham County Sheriff's Office
Up to about $3,500 for inspections and up to $24,366 per unit for lead hazard reduction; 10% owner match
Windham County is building a lead hazard control program that offers financial assistance to property owners and landlords in Windham County for lead hazard reduction work. The page says the program has $1.1 million in grant funding and that eligible housing providers may receive assistance for rental units.
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See which programs your home qualifies for
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Create accountCity & local programs
Programs limited to specific cities or zip codes in Vermont.
- RebateOpen
Home Flood Protection Program
City of Burlington
Up to 50% off the assessment; subsidized price $285 in-person or $240 virtual
Burlington offers homeowners up to 50% of the cost of a Home Flood Protection Assessment to find ways water or sewage can enter the home. The page says assessments are available in-person or virtually and only 20 assessments are offered each year.
View program - RebateOpen
Blue BTV Stormwater Assessments and Residential Stormwater Rebates
City of Burlington Water Resources Division
Free assessment; rebate amount varies by project and impervious surface managed
The City of Burlington offers free home stormwater evaluations and rebates for approved residential stormwater projects. The page says free on-site assessments are available to Burlington residents, and rebates are available for approved practices, with amounts based on the project and impervious surface managed.
View program - GrantOpen
Plumbing Permit Fee Grant Program
City of Burlington
Permit fees waived for eligible flood-mitigation plumbing work
Burlington waives building permit fees for certain flood-mitigation plumbing work in homes. The page says it covers backwater valves, sump pumps, and sanitary line repair or replacement when paired with a backwater valve.
View program - GrantOpens soon
Housing Trust Fund
City of Montpelier
Grants up to $150,000 per project; 0% loans up to $50,000; ADU loans up to $50,000; down payment assistance $20,000–$80,000 per unit; limited grants up to $10,000 per parcel
Montpelier’s Housing Trust Fund provides grants and loans for affordable housing in the city, including a new round of grants up to $10,000 per parcel and 0% loans up to $50,000 per project. It also includes separate ADU loans, shared equity down payment assistance, and project grants for qualifying housing work.
View program - LoanStatus unknown
Housing Trust Fund - 0% Interest Loans for Accessory Dwelling Units
City of Montpelier
0% interest loans up to $50,000
Montpelier’s Housing Trust Fund offers 0% interest loans up to $50,000 for property owners adding an accessory dwelling unit. This is a city program, but it is a housing program rather than a disaster-hardening grant, so it only partially overlaps with home-hardening needs.
View program - RebateClosed
Significant Tree Maintenance Rebate Program
City of Burlington Forestry Division
Program funded at $50,000; per-home amount not stated
The City of Burlington has a rebate program to help residents pay for maintenance of significant trees on private property. The official page says the program is funded at $50,000 and covers one tree per property, but applications are currently closed.
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Nationwide programs
Federal and national programs Vermont 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 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 - 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 - 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 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 - 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 - Free serviceOpen
Wildfire Prepared Home designation program
Insurance Institute for Business & Home Safety (IBHS)
No cash payment; homeowners receive a designation/certificate after completing the standard.
IBHS offers Washington homeowners a wildfire-hardening designation program that confirms a home meets science-based wildfire mitigation standards. The state insurance commissioner points homeowners to it as a way to make properties more resistant to wildfire, but this is not a state-funded grant or rebate.
View program - GrantOpen
FEMA Individuals and Households Program Hazard Mitigation Measures
Federal Emergency Management Agency
Additional mitigation funds tied to FEMA disaster home-repair assistance; no separate cap stated on the page
FEMA can add hazard-mitigation money to eligible disaster home-repair assistance for homeowners after certain disasters. For wildfire-damaged homes, FEMA says it may pay for vent coverings plus non-combustible gutters and leaf guards.
View program - GrantOpen
Hazard Mitigation Assistance (HMA) Grants
Federal Emergency Management Agency
Varies by underlying FEMA mitigation grant program
FEMA’s Hazard Mitigation Assistance grants fund eligible projects that reduce future disaster losses. FEMA’s materials show wildfire mitigation is an eligible activity in the main HMA programs.
View program - GrantOpen
Flood Mitigation Assistance (FMA) Program
Federal Emergency Management Agency
Varies; FEMA describes it as a pre-disaster flood mitigation grant program
FEMA’s Flood Mitigation Assistance program funds measures that reduce or eliminate long-term flood damage to buildings, including homes. It is a pre-disaster grant program.
View program - LoanOpen
SBA Mitigation Assistance
U.S. Small Business Administration
Up to 20% increase on an SBA disaster loan for mitigation
The Small Business Administration lets eligible disaster loan borrowers increase their low-interest disaster loan by up to 20% to make home improvements that reduce future damage. Homeowners can use it after a declared disaster.
View program - 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
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 - 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 serviceOpenIncome restricted
WeCare Program (LG&E/KU)
LG&E and KU
Free audits, safety checks, education, and weatherization services; no dollar cap stated.
LG&E and KU’s WeCare program provides no-cost energy audits, health and safety checks, education, and weatherization services to income-qualified customers. The Louisville Metro assessment says it can include direct-install measures and deeper weatherization work.
View program - Free serviceOpen
PSO Home Weatherization Assistance
Public Service Company of Oklahoma (Power Forward With PSO)
Free weatherization services; dollar cap not stated in the source found.
PSO offers weatherization services for qualified customers to make homes more comfortable and energy efficient, with free weatherization services mentioned in PSO’s program materials.
View program - Free serviceOpenIncome restricted
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 - 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 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
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 - 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.
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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.
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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.
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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.
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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.
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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.
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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 - 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 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 - 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.
View program - Tax creditClosed
Louisiana Fortified Roof Tax Credit
Louisiana Department of Revenue
100% of qualified roof upgrade expenses
Louisiana offers an income tax credit for 100% of qualified expenses for roofs upgraded to FORTIFIED standards. The state announced a June 30, 2026 deadline for the credit in its 2026 notice.
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