References
Sources and citations
This is a consumer guide, not the program itself, so everything on it should be checkable. Below is each figure and durable claim we publish, grouped by topic, with the source it came from and the date we last verified it. That includes the storms our parish and city pages name, which cite the National Hurricane Center report for each one. Program facts change by round, so we date them. For your address and the current application window, the Louisiana Department of Insurance is always the live authority.
Grant
Regulation 126 (La. Admin. Code tit. 37, Section XIII-18205), the regulation the grant program runs under: the roof must meet or exceed the IBHS FORTIFIED roof standard, and the rule does not address scope of work
Last verified
Grant cap and reimbursement structure ($10,000, cost reimbursement)
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Homeowner process, three-bid requirement, and 90-day completion window
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FORTIFIED Roof retrofit cost (documented median)
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Most recent registration round (June 1 to 19, 2026) and lottery selection
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Jefferson Parish Roof Enhancement Lottery Incentive Fund (R.E.L.I.F.), local funding on top of the state grant
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Also reported by nola.com, "Jefferson Parish homeowners can get an extra $5K on state fortified roof grants"; Jefferson Parish's own announcement, which the parish has since removed.
Eligibility
Baseline eligibility requirements
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Eligible parishes and address-level tiers, conductor-reconciled for the first sixteen parishes
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Eligible parishes re-verified against the 2026 expansion for the thirteen parishes added since
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All 29 parishes checked against the official LDI eligibility map, which shades every included parish whole, owner-verified in a browser
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FORTIFIED standard
FORTIFIED Roof standard requirements
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Designation process and 5-year certificate
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The FORTIFIED Roof - Existing Roof pathway: what an existing roof has to meet, the closed-cell spray foam method, and the documentation an evaluator requires
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Louisiana State Uniform Construction Code, the statewide code mandated after the 2005 storm season (La. R.S. 40:1730.21 et seq.)
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Insurance
Regulation 136 mandate and benchmark discounts (R.S. 22:1483)
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Carrier FORTIFIED Roof discounts, wind or hurricane portion
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Tax
2025 Louisiana FORTIFIED tax credit, grant exemption, and retrofit deduction
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After a storm
What to do right after storm damage: photos, temporary repairs and receipts, no permanent repairs before the adjuster, a call log, and no contract before you talk to your insurer
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The policyholder's duty to protect the property from further damage (La. R.S. 22:1311)
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Insurer must start adjusting within 30 days after a declared disaster (La. R.S. 22:1892(A)(3))
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Insurer must pay a catastrophic home claim within 60 days of satisfactory proof of loss (La. R.S. 22:1892.2(A)(2))
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1 year to finish repairs and recover depreciation with replacement-cost coverage (La. R.S. 22:1264(B))
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24 months to sue on the policy, which a policy cannot shorten (La. R.S. 22:1311 and R.S. 22:868(B))
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Insurers must offer a FORTIFIED upgrade endorsement (La. R.S. 22:1483.2)
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Added cost of building FORTIFIED during a re-roof (IBHS, national figure)
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Certified FORTIFIED Roofing Company and evaluator documentation required during installation
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The Fortify Homes grant and an insurance claim, and no work before acceptance
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Louisiana residential roofing license threshold and lookup
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Deductible waiver and rebate ban (La. R.S. 51:451), assignment of benefits void (La. R.S. 22:1275), and contractors barred from public adjusting (La. R.S. 37:2159.1)
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Contractor fraud warnings: cash, upfront payments, and contractors you did not contact
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Operation Blue Roof
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Named-storm deductibles and the once-a-year rule
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FEMA covers only uninsured damage
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SBA disaster home loans
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Storms
Hurricane Audrey (1957)
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Audrey predates the NHC Tropical Cyclone Report series by decades and has no report at the modern path. The National Weather Service forecast office covering the landfall is the primary record, and it is the source for the 12 to 14 foot high-water marks across Cameron, Creole, and Grand Chenier.
Hurricane Andrew (1992)
Last verified
Andrew predates the modern Tropical Cyclone Report series. This Preliminary Report is the NHC's own report of record for the storm and is what the NHC storm-report index links to.
Hurricane Katrina (2005)
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Hurricane Rita (2005)
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Hurricane Gustav (2008)
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Hurricane Isaac (2012)
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The August 2016 south Louisiana flood
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Not a tropical cyclone, so there is no NHC Tropical Cyclone Report. The NWS forecast office that covers the flooded basins is the primary record.
Hurricane Laura (2020)
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Hurricane Delta (2020)
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Hurricane Zeta (2020)
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Hurricane Ida (2021)
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Hurricane Francine (2024)
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Local history
The Metairie Ridge is the natural levee of a Mississippi River distributary that was cut off from the river thousands of years ago
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The Charpentier Historic District, the local name for the National Register Lake Charles Historic District, a lumber-boom residential neighborhood of Queen Anne Revival, Eastlake, Colonial Revival, and Bungalow houses
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Covington's town plan was filed with the parish judge on July 4, 1813, and its downtown blocks are built around the open interior squares known as ox lots
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Mandeville was surveyed and platted in 1834 as a lakefront town for New Orleanians escaping the city's summers
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Slidell began in 1882 as a New Orleans and Northeastern Railroad construction site on the line being built toward Meridian, and the grid laid out east of the tracks is Olde Towne
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Gonzales was incorporated as a village in 1922 and as a city in 1977
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Prairieville is not an incorporated municipality. The Census Bureau classifies it as a census designated place, which by definition is not legally incorporated and has no officials elected to serve municipal functions
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The creation of Iberia Parish in 1868 cut through St. Martin Parish, which is why St. Martin is in two non-contiguous parts today
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Calcasieu (1840), Acadia (1886), and Evangeline (1910) were each created out of St. Landry Parish territory, and Calcasieu was later divided again to create Cameron (1870) and Allen, Beauregard, and Jefferson Davis (1912)
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The federal major disaster declaration for Hurricane Gustav (FEMA-1786-DR, September 2, 2008) designated St. Landry and West Feliciana, among other Louisiana parishes, for Individual Assistance
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The Tunica Hills, northwest of St. Francisville in West Feliciana Parish, are characterized by rugged hills, bluffs, and ravines, lie at the southern end of the loess blufflands escarpment following the east bank of the Mississippi River, and carry an upland hardwood forest of beech, oak, hickory, and yellow poplar
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The federal major disaster declaration for Hurricane Ida (FEMA-4611-DR, August 29, 2021) designated West Feliciana, among other Louisiana parishes, for Individual Assistance
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Opelousas is the third oldest city in Louisiana, became the seat of government for the County of Opelousas in 1805, and the area around the courthouse square is designated a National Historic District
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During Hurricane Delta the Opelousas airport in St. Landry Parish recorded a peak gust of 75 mph at 8:55 PM CDT on October 9, 2020
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St. Francisville has been called the town two miles long and two yards wide and lies on a loessal ridge, and Bayou Sara, the river port below the bluffs, fell before civil war, fire, flood, and the boll weevil, with hardly a trace remaining today
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Baton Rouge: the city-parish Permits and Inspections Division (contact page only)
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The city-parish site refused automated requests on the day of the check, so only the division and its contact page are cited.
New Orleans: a re-roofing permit for replacing 50 percent or more of the roof on one- and two-family homes (Ordinance 30,235 MCS), its insurance-record purpose, the One Stop App, and geotagged photo inspections at four stages
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Kenner: the city's Inspection and Code Enforcement Department issues building permits and inspects structures in the city, its adopted codes (2021 IRC with state amendments), and the Hurricane Francine fee waiver that still required repair permits
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Mandeville: the city's Planning and Development department handles permits, takes applications by email, and requires them for construction by contractors and homeowners alike
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Lafayette: Lafayette Consolidated Government's Development and Planning department handles construction permitting (most construction needs a permit, cosmetic work does not, MGO Connect), and LCG's adopted residential code and wind-load basis
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By Louisiana Fortified HomesUpdated