Strengthen Oklahoma Homes (SOH) Grant Program

About This Program

Oklahoma Insurance Department's Strengthen Oklahoma Homes program provides grants of up to $10,000 to homeowners across all 77 Oklahoma counties (statewide since January 2026) to upgrade roofs to the IBHS FORTIFIED Home — Roof designation (High Wind + Hail Supplement). Certified improvements can reduce severe storm damage by up to 80% and lower insurance premiums by 20–30%. Applicants must have an active residential insurance policy with wind coverage; those in FEMA Special Flood Hazard Areas must also carry flood insurance.

Maximum grant per household; actual award covers certified FORTIFIED roof upgrade costs up to the cap.

Key Details

• Up to $10,000 grant — statewide (all 77 counties) since January 12, 2026
• Upgrades must meet IBHS FORTIFIED Home Roof™ (High Wind + Hail) standard
• Can reduce storm damage 80% and lower premiums 20–30%
• Must have active homeowners insurance with wind coverage
• Apply at oid.ok.gov/okready or email okready@oid.ok.gov

How to Apply

Deadline: Statewide applications opened January 12, 2026 — rolling until funds exhausted