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Roof replacement grants: which programs pay toward a new roof?

In some states. Florida’s roof replacement grants: “The My Safe Florida Home Program is now accepting applications!” State share: “up to a maximum state contribution of $10,000, subject to legislative appropriation” Federal credits ended: “The credit is not available for any property placed in service after December 31, 2025.” My Safe Florida Home and IRS, read October 17, 2026.

InstaBids is an AI-run marketplace for homeowners and property managers: describe a home job once, by chat or through your own AI assistant, add photos, and get multiple written quotes on the same scope, compared apples to apples, with no phone calls or home visits before you pick.

To compare written bids on a roof replacement, including a FORTIFIED roof where a state program asks for one, you can post the job on InstaBids.

By InstaBids editorial team with AI research agents. Statuses last read to

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At a glance

  • $10,000Florida MSFH: up to a maximum state contribution of $10,000, subject to legislative appropriationMy Safe Florida Home Program, FAQs, read October 17, 2026
  • $7,500SC Safe Home resilient mitigation: Up to $7,500 (not taking applications)South Carolina Department of Insurance, SC Safe Home, read October 17, 2026
  • $15,000.00Louisiana Blue Tarp grant (closed): a grant not to exceed $15,000.00Louisiana Housing Corporation, Blue Tarp Program, read October 17, 2026
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Programs, amounts and status

My Safe Florida Home Program (MSFH)“up to a maximum state contribution of $10,000, subject to legislative appropriation” Status: open (source read 17 October 2026). Who it is for, in the agency's words: “The homeowner must have been granted a homestead exemption on the home under chapter 196, F.S.” How to apply: mysafeflhome.comFlorida Department of Financial Services, read 17 October 2026
Strengthen Alabama Homes (SAH)“up to $10,000” Status: open (source read 17 October 2026). “Please be patient and keep trying to apply as there are still funds available!” Who it is for, in the agency's words: “Residents of certain counties (check the grant award schedule on the website) who claim their primary residence in those counties may apply. (No condominiums, townhomes mobile homes, or rental properties.) The home cannot be listed for sale during this process.” How to apply: strengthenalabamahomes.comAlabama Department of Insurance, read 17 October 2026
Strengthen Mississippi Homes (SMH)“up to $10,000” Status: open (source read 17 October 2026). “Applications are open to Eligible MS Wind Pool(MWUA) Policyholders only at this time.” Pays for: “the roof upgrade”. Who it is for, in the agency's words: “Residents that claim their primary residence in Mississippi may apply. Condominiums, duplexes, mobile homes or manufactured homes are not eligible at this time.” How to apply: mid.ms.govMississippi Insurance Department, read 17 October 2026
Single Family Housing Repair Loans & Grants (Section 504)“Grants have a lifetime limit of $10,000” Status: open (source read 23 October 2026). “Applications are accepted for processing from individuals on an ongoing basis from October 1- September 30.” Pays for: “Grants must be used to remove health and safety hazards”. Who it is for, in the agency's words: “Also known as the Section 504 Home Repair program, this provides loans to low and very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low income homeowners to remove health and safety hazards.” How to apply: rd.usda.govU.S. Department of Agriculture, Rural Development, read 23 October 2026
Homeowner Rehabilitation and Reconstruction Program (HRRP)Amount not stated by Georgia DCA (read 2026-10-23) Status: open (source read 23 October 2026). “The Homeowner Rehabilitation and Reconstruction Program Portal is now open for 2023/2024 disasters.” Pays for: “rehabilitation, reconstruction, replacement, and/or elevation of existing or destroyed housing units”. Who it is for, in the agency's words: “Own and occupy the damaged home as their primary residence Have been affected by a qualifying disaster (based on designated disaster counties) Meet income limits (often 80% AMI or below)” How to apply: dca.georgia.govGeorgia Department of Community Affairs (DCA), read 23 October 2026
Home Rehabilitation Grant Program (HRGP)Amount not stated by Washington State Department of Commerce (read 2026-10-22) Status: open (source read 22 October 2026). “Grants are available to low-income homeowners who reside in eligible rural areas of Washington state.” Pays for: “Roofing”. Who it is for, in the agency's words: “Grants are available to low-income homeowners who reside in eligible rural areas of Washington state. Interested households must apply and qualify for the program through one of the participating rehabilitation agencies listed below. Priority is given to seniors, disabled residents, families with children under five years old, and veterans.” How to apply: commerce.wa.govWashington State Department of Commerce, read 22 October 2026
SC Safe Home Grant Program“Up to $7,500” Status: closed (source read 17 October 2026). “The SC Safe Home Grant Program is not currently accepting applications.” Pays for: “stronger roofs”. Who it is for, in the agency's words: “Reside in a designated South Carolina coastal county Own and occupy the home as their primary residence; the property must be a single‑family, freestanding structure (no duplexes or multifamily units). Maintain an active homeowner's insurance policy” How to apply: doi.sc.govSouth Carolina Department of Insurance, read 17 October 2026
Louisiana Blue Tarp Program-CENLA“a grant not to exceed $15,000.00” Status: closed (source read 17 October 2026). “The Louisiana Housing Corporation (LHC) is no longer accepting applications for the Louisiana Blue Tarp Program-CENLA.” Pays for: “needed roof repairs and/or replacement”. Who it is for, in the agency's words: “Applicants must be the legal owner and primary resident of the property that is subject to roof repair.” How to apply: lhc.la.govLouisiana Housing Corporation (LHC), read 17 October 2026

This table as data: data.csv · data.json

Federal tax credit status, in the IRS's words

Neither federal home energy credit pays for a roof put on now: the IRS ended both for work after December 31, 2025.

“You can claim the credit for improvements made through December 31, 2025.”

“The credit is not available for any property placed in service after December 31, 2025.”

Programs by state

Each row is a state agency’s own roof or home repair program with the line it shows on the date we read it; the Maryland and Minnesota pages list roof work but give no application status. States not in the table were not read for this page.
AlabamaStrengthen Alabama Homes (SAH) (open, as of 17 October 2026) “Please be patient and keep trying to apply as there are still funds available!”Alabama Department of Insurance — Sources read: 17 October 2026
FloridaMy Safe Florida Home Program (MSFH) (open, as of 17 October 2026) “The My Safe Florida Home Program is now accepting applications!”Florida Department of Financial Services — Sources read: 17 October 2026
GeorgiaHomeowner Rehabilitation and Reconstruction Program (HRRP), 2023/2024 disasters (open, as of 23 October 2026) “The Homeowner Rehabilitation and Reconstruction Program Portal is now open for 2023/2024 disasters.”Georgia Department of Community Affairs (DCA) — Sources read: 23 October 2026
IndianaOwner Occupied Rehabilitation Program (communities apply; they run the local home repair programs) (open, as of 17 October 2026) “Applications will be accepted from Oct. 1 until Sunday, Nov. 1, at 11:59 p.m. ET via the Indiana Electronic Grants Management System.”Indiana Office of Community and Rural Affairs (OCRA) — Sources read: 17 October 2026
LouisianaLouisiana Blue Tarp Program-CENLA (closed, as of 17 October 2026) “The Louisiana Housing Corporation (LHC) is no longer accepting applications for the Louisiana Blue Tarp Program-CENLA.”Louisiana Housing Corporation (LHC) — Sources read: 17 October 2026
MarylandHealthy Homes Production Grant Program (HHPG); the page lists roof work and states no application status “Roof repair and replacement, Gutters” Maryland pageMaryland Department of Housing and Community Development (DHCD) — Sources read: 23 October 2026
MinnesotaRehabilitation Loan Program (RLP); the page lists roof work and states no application status for it “Roof repair or replacement” Minnesota pageMinnesota Housing Finance Agency (Minnesota Housing) — Sources read: 22 October 2026
MississippiStrengthen Mississippi Homes (SMH) (open, as of 17 October 2026) “Applications are open to Eligible MS Wind Pool(MWUA) Policyholders only at this time.”Mississippi Insurance Department — Sources read: 17 October 2026
South CarolinaSC Safe Home Grant Program (closed, as of 17 October 2026) “The SC Safe Home Grant Program is not currently accepting applications.” South Carolina pageSouth Carolina Department of Insurance — Sources read: 17 October 2026
WashingtonHome Rehabilitation Grant Program (HRGP) (open, as of 22 October 2026) “Grants are available to low-income homeowners who reside in eligible rural areas of Washington state.” Washington pageWashington State Department of Commerce — Sources read: 22 October 2026

Roof replacement grant?

Alabama’s Department of Insurance runs Strengthen Alabama Homes, a grant toward a roof built to the FORTIFIED Roof standard, capped at $10,000.

“To receive this grant, you must reach the IBHS FORTIFIED Roof standard.”

“Once all three bids are submitted, you will receive the grant award letter before mitigation work begins.”

Source: Strengthen Alabama Homes, Alabama Department of Insurance, read .

To get written bids on a roof built to the FORTIFIED standard, you can post the roof job on InstaBids.

Roof replacement rebates?

Mississippi’s Insurance Department pays Strengthen Mississippi Homes grants of up to $10,000 for a FORTIFIED roof, and for 2026 it picks recipients by lottery from wind pool policyholders.

“Note: For 2026 SMH Grants, Grant recipients must be currently insured through the MS wind pool(MWUA) and have been insured by the wind pool for three(3) consecutive policy years prior to being eligible.”

“Selections are made via a lottery process.”

“SMH grants do not cover the cost of the evaluation.”

Source: Mississippi Insurance Department, Strengthen Mississippi Homes, read .

For a FORTIFIED roof in Mississippi or elsewhere, you can describe the roof once on InstaBids and contractors bid in writing.

Metal roof rebate?

Florida’s My Safe Florida Home grant lets the owner choose metal, tile or shingle when the whole roof is replaced, and it does not pay for a patch job.

“Roof patching or other partial repairs of the roof will not be eligible for funding under the MSFH Program.”

“The home must have been built before January 1, 2008, as reflected on the county property appraiser’s website.”

Sources: My Safe Florida Home Program Support Center (roof replacement article), read ; My Safe Florida Home Program, FAQs, read .

To compare written bids on metal, tile or shingle roofing, you can post the roof replacement on InstaBids.

Government grants for roof replacement or repair?

The federal one is USDA’s Section 504 home repair grant for very-low-income homeowners aged 62 or older; USDA’s page ties the grant to health and safety hazards and does not name roofs.

“Grants have a lifetime limit of $10,000”

“Grants must be repaid if the property is sold in less than 3 years”

Two state programs name roofing: Virginia’s EHARP, with a $4,000 maximum, and Washington’s HRGP for low-income homeowners in rural areas of the state. Virginia EHARP on the bathroom remodel grants page

Sources: U.S. Department of Agriculture, Rural Development (Section 504), read ; Virginia Department of Housing and Community Development, EHARP, read ; Washington State Department of Commerce, HRGP, read .

For roof repair or replacement on an older home, you can post the roofing job on InstaBids and read each written bid.

Roof rebate?

South Carolina’s Safe Home grant pays up to $7,500 toward a roof retrofit in the state’s coastal counties; its page said it was not taking applications when read on October 17, 2026, and that applications open twice a year.

“It does not pay for regular home repairs, remodeling, or building new rooms.”

Louisiana’s Blue Tarp roof grant, capped at $15,000.00, has also stopped taking applications.

Sources: South Carolina Department of Insurance, SC Safe Home, read ; Louisiana Housing Corporation, Blue Tarp Program, read .

To see written bids on a roof retrofit for a coastal home, you can post the roof job on InstaBids.

Roof tax credit?

No federal credit pays for an ordinary roof: the Residential Clean Energy Credit ended for property placed in service after December 31, 2025, and the IRS left plain roofing out of it.

“Traditional building components that primarily serve a roofing or structural function generally don't qualify.”

“For example, roof trusses and traditional shingles that support solar panels don't qualify, but solar roofing tiles and solar shingles do because they generate clean energy.”

Source: Internal Revenue Service (IRS), Residential Clean Energy Credit, read .

With no federal credit for an ordinary roof, the roof replacement itself can still go on InstaBids for written bids.

Roof repair tax credit?

No. The IRS instructions for the credit form set solar roofing tiles apart from the parts of a roof that only do a roof’s job:

“This is in contrast to structural components such as a roof's decking or rafters that serve only a roofing or structural function and thus do not qualify for the credit.”

Source: Internal Revenue Service (IRS), Instructions for Form 5695, read .

To compare written bids on roof repairs, from flashing to decking, you can post the repair job on InstaBids.

Rebate, tax credit, grant or weatherization: how they differ

Grant: Alabama and Mississippi pay their roof grants straight to the contractor after the roof earns its FORTIFIED certificate.

Loan: USDA’s Section 504 also makes repair loans, and Minnesota’s Rehabilitation Loan Program, which lists roof repair or replacement, has this rule:

“Loans are forgiven if you do not sell, transfer title, or cease to occupy the property during the loan term.”

Tax credit: both IRS home energy credits ended after December 31, 2025, as the IRS section above quotes.

Weatherization: not a roof program. North Carolina’s weatherization page lists this under the work it does not provide:

“Major home repairs such as new roofs, new floors, plumbing, and electrical work”

Before you apply

Cost, options and related pages

What a new roof costs and which roof materials to compare are on our roof cost and roof options pages, linked below.

Sources read:

Related pages

Related pages

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