2026-09-10 · Alabama · Regulation

Alabama runs the most generous wind-mitigation grant programme in the Southeast. No shared roof in the state can get one.

Strengthen Alabama Homes, administered by the Department of Insurance's Office of Risk and Resilience, pays 100% of mitigation cost up to $10,000 toward an IBHS FORTIFIED Roof or FORTIFIED Silver designation. It is funded by the insurance industry rather than from the General Fund.

The exclusion, in the rule itself

The eligibility requirement is not buried in guidance. It is in the operative text of Ala. Admin. Code r. 482-1-159-.02:¹

“(b) The home that is the subject of the grant must be an owner occupied, single-family, primary residence, and cannot be a condominium or mobile home.”

The programme's own materials repeat it and go further: the FAQ says “(No condominiums, townhouses or mobile homes),” and the site states “No rentals, no townhomes, no condominiums, or mobile homes.”²

So the exclusion reaches beyond the condominium form. A townhouse owner in a planned community is out. A unit owner who rents is out. And an association, as an entity applying for work on a common-element roof, was never in — the grant runs to an owner-occupied primary residence, which an association is not.

What the grant requires of those who qualify

Applicants must show an in-force wind policy and, in a special flood hazard area, in-force flood coverage. Projects must be completed within three months of the Grant Approval Notification.

1. Ala. Admin. Code r. 482-1-159-.02 — Strengthen Alabama Homes, grants ↩
2. Strengthen Alabama Homes — programme site and eligibility ↩
3. Grant expansion to Jefferson, Tuscaloosa and Escambia counties (Nov. 4, 2025), Alabama Department of Insurance ↩
4. 2026 Grant Award Schedule, Strengthen Alabama Homes ↩