Troy Carter (D-LA)
STORM FORTIFIED and Wildfire Prepared Act
A Democratic bill with 1 Republican cosponsor · See all 2 cosponsors
Last activity — Referred to the House Committee on Transportation and Infrastructure.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill establishes a STORM FORTIFIED and Wildfire Prepared Act to create a revolving loan fund for home mitigation. The program is designed to assist State agencies in providing grants to homeowners for installing Fortified Roofs, Fortified Home, or Wildfire Prepared Home designations. FEMA will oversee the capitalization of these funds, which are intended to help people protect their homes from weather and wildfire risks. State agencies will use these funds to provide grants for specific construction upgrades, including labor and materials. The bill provides for significant funding to be authorized over several fiscal years to support these efforts.
Yes· 3 of 16
- Scored +6
Would households on low incomes be better off under this?
The bill offers significant relief through loan forgiveness for those earning below 120 percent of the area median income.
- Scored +6
Does this improve help for people hit by a disaster?
The bill provides significant new resources to FEMA to enhance nationwide disaster resilience through home mitigation.
- Scored +4
Is this likely to lift people out of poverty?
The bill includes loan forgiveness specifically for low-income households to aid in disaster resilience.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Financial Assistance for Home Upgrades: Homeowners can receive grants of up to $10,000 to cover the costs of labor and materials for mitigation projects like Fortified Roofs or Wildfire Prepared Homes (Section 5(c)).
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Support for Low-Income Households: The bill requires the forgiveness of loan repayments or cost-share obligations for individual homeowners whose income is below 120 percent of the area median income (Section 5(e)).
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Increased Disaster Resilience: The program encourages the installation of specialized protections, such as enhanced edge protection for roofs and protections against ember intrusion or radiant heat for wildfires (Section s 2(4) and 2(7)).
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Insurance Benefits: The Administrator is encouraged to work with insurers to allow homeowners to receive premium discounts based on their new home designations (Section 4(k)).
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Targeted Assistance: States have the authority to prioritize lower-income applicants and those living in locations with a high susceptibility to catastrophic weather events (Section 5(b)(9)).
Potential Negative Impacts for People
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Exclusion of Certain Home Types: Owners of new construction homes, condominiums, and mobile homes are specifically ineligible to participate in the grant program (Section 2(5) and Section 5(b)(7)).
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Strict Insurance Requirements: To be eligible, homeowners must generally provide proof of active insurance coverage for wind, flood, or fire perils, which may be a barrier for those currently unable to secure coverage (Section 5(b)(2), 5(b)(3), and 5(b)(4)).
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Home Ownership Restrictions: The program is limited to primary residences that meet specific state or local homestead or owner-occupancy requirements (Section 5(b)(1)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — The bill offers significant relief through loan forgiveness for those earning below 120 percent of the area median income. Would middle-income households be better off under this? — Homeowners can access grants to increase property resilience and potentially lower insurance costs. Would business owners be better off under this? — Construction and mitigation businesses may see increased demand for services. Would high-income households be better off under this? — Higher income earners may benefit from the infrastructure improvements without the forgiveness component. Would people in rural areas be better off under this? — The bill may benefit residents in high-risk wildfire or storm areas often found in rural or coastal regions.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — The bill provides significant new resources to FEMA to enhance nationwide disaster resilience through home mitigation. Does this better protect air, water and wildlife? — The bill focuses on wildfire preparedness which mitigates environmental damage from uncontrolled fires.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — The bill includes loan forgiveness specifically for low-income households to aid in disaster resilience. Does this make housing cost less? — By providing grants for home improvements, the bill helps maintain the stability and value of primary residences.
- Economy And Finance
- Is this likely to create jobs? — The demand for construction upgrades and labor for mitigation projects may support local jobs. Does this give people more protection from unfair business practices? — Homeowners receive support for increasing their property's structural integrity and safety. Is this likely to grow the economy? — Investment in home resilience can help protect personal wealth and local economies from disaster-related disruptions.
- Governance And Ideology
- Does this give the federal government more power? — The bill increases federal involvement in state-administered disaster mitigation grant programs. Does this make what the government does easier for the public to see? — The bill requires regular audits and reports to ensure fund effectiveness. Does this leave more decisions to the states? — The bill empowers state agencies to manage revolving loan funds and set eligibility criteria.
- Healthcare
- Does this lower what people pay for private health insurance? — The bill encourages coordination with insurers to recognize home fortifications for premium discounts.
- 8/20/2026
- Referred to the House Committee on Transportation and Infrastructure.
- 2 Cosponsors added.
- Introduced in House
Salud CarbajalDemocrat · California
Mike EzellRepublican · Mississippi