A FORTIFIED roof in Oklahoma can get up to $10,000 from the state’s Strengthen Oklahoma Homes grant, and the next round opens Monday 12 October 2026 at noon. Check whether you qualify, see what it would save you on insurance, and find an approved roofer near you.
How the 12 October round works →
Independent guide · Built from the Oklahoma Insurance Department’s rules · Checked 1 Oct 2026
You need to own and live in a single-family home with a homestead exemption on file, and carry wind cover. Take the 2-minute check
Apply on the state portal, then upload proof of income and your declarations page within 14 days. The noon checklist
Once approved, an evaluator draws up the plan and three approved roofers quote against it. You pick one. Find an approved roofer
Tulsa homeowners who went through the grant have shared their quotes publicly. After the $10,000, their share came to $4,000 to $8,000, depending on the roof’s size and whether the decking needed replacing.
On the other side, OID reports grant homes save about $750 a year on insurance. The discount applies to the wind and hail part of your premium, at a rate your insurer files, so it varies a lot. See yours by insurer.
The grant is real and well run: the state has finished more than 500 roofs through it. But it has rules that catch people out, so here they are up front.
On the Gulf Coast a FORTIFIED roof is mainly a hurricane product. Oklahoma’s grant asks for more: the roof must meet FORTIFIED High Wind and also the Hail Supplement. That means shingles that score Good or Excellent in IBHS’s own hail tests, not just a Class 4 label on the bundle.
That matters because hail is the bill Oklahomans keep paying. Verisk’s 2025 roofing report found 64.7% of Oklahoma roofs were hit by severe hail in 2025 alone, with an average replacement cost of $17,631. State Farm ranked Oklahoma fifth in the country for hail claims paid in 2025.
We’re not the state, an insurer or a roofing company. Everything here comes from the Oklahoma Insurance Department’s rules, insurers’ filings and what homeowners have reported, with sources on every page.
When you ask for a quote, we pass it to one approved FORTIFIED roofer near you, who pays us for the introduction. It costs you nothing, and you still choose who does the work. More about us
Yes. It was created by state law (HB 3089) and is run by the Oklahoma Insurance Department. The state reported its 500th finished home on 1 September 2026. Apply only through the official portal, and be wary of anyone charging a fee to apply for you.
A roof built to the IBHS FORTIFIED standard, checked by an independent evaluator and given a certificate. In Oklahoma the grant asks for the High Wind level with the Hail Supplement.
Monday 12 October 2026 at noon, statewide, according to a 30 September 2026 announcement. Applications are handled first-come, first-served within each income tier.
Oklahoma law calls for a discount on the wind and hail portion of your premium, where the insurer finds it actuarially justified. OID’s sheet, based on 2018 filings, shows rates from 3% to 42% depending on the insurer. OID reports an average saving of around $750 a year for grant homes.
No. Class 4 is a rating for the shingle. FORTIFIED covers how the whole roof is built and is checked on site by an evaluator. The Oklahoma grant also asks for shingles rated Good or Excellent by IBHS.
The grant amount isn’t shown until three bids are in, so a real price now helps you decide whether to apply on 12 October or pay yourself. We’ll pass your details to one FORTIFIED roofer near you.