Louisiana’s approach has produced measurable results. Homeowners who upgraded their roofs to FORTIFIED standards saw an average annual premium reduction of 22%, according to a report from the Louisiana Legislative Auditor, with more than a quarter of participants saving $2,000 or more per year. The state offers a $10,000 income tax credit for FORTIFIED roof installation and, as of January 2026, a deduction worth up to $10,000 for voluntarily retrofitting a home. In April 2026, Louisiana’s insurance department went further still, requiring every property insurer in the state to provide mandatory premium discounts on FORTIFIED-designated homes by January 1, 2027, with discount levels prescribed by a benchmark table developed by the National Association of Insurance Commissioners.
