2026-09-27 · Federal · Legislation · Pending — not yet law

What happened. A bill introduced August 20, 2026 would, if enacted, fund state programs that give homeowners grants to fortify roofs and harden homes against wildfire — and, as drafted, would exclude condominiums. H.R. 10122, the STORM FORTIFIED and Wildfire Prepared Act, sponsored by Rep. Troy Carter (D-LA) with Reps. Mike Ezell and Salud Carbajal as cosponsors, was referred to the House Transportation and Infrastructure Committee.¹

What the bill would do

• FEMA would make capitalization grants to state revolving funds, which in turn would make grants to homeowners for upgrades meeting the FORTIFIED Roof, FORTIFIED Home or Wildfire Prepared Home standards.
• It authorizes $100 million a year for fiscal years 2027 through 2036.
• Eligible homes must be homestead-exempt primary residences with wind coverage (and flood coverage where applicable).
• The text states: “New construction homes, condominiums, and mobile homes are not eligible to participate in the program.”²

Why the exclusion matters

The program as drafted is built around the single-family homeowner who controls the roof. In a condominium the roof is typically a common element maintained and insured by the association, which is not a homestead owner, so a household-level grant does not map onto the ownership structure. As drafted, the bill leaves condominium associations and their owners outside the program entirely; townhome and single-family homes in HOAs, where the owner holds title to the roof, would not be excluded by that language.

What to watch next

• Committee action, and whether condominium advocates seek an amendment to admit associations.
• The end of the 119th Congress on January 3, 2027.

1. H.R. 10122 (119th Cong.), bill status, GovInfo ↩
2. H.R. 10122 (119th Cong.), introduced text ↩