Mississippi has strong building code enforcement along the coast. 

  1. Mitigation Savings and Tax Credits
  2. Schedule a CEU 
  3. Funding Options to Help Rebuild or Re-Roof 
  4. Resilience Policy and Legislation

Mitigation Savings and Tax Credits

FORTIFIED Discounts - Homeowners can qualify for insurance discounts by installing a FORTIFIED Roof™ or building a FORTIFIED Home™. Savings range from 12-55% off the wind portion of the property owner's insurance.

Free FORTIFIED Roof Endorsement -Eligible and renewing policies with MWUA can re-roof to FORTIFIED for free when a covered claim results in the replacement of 50 percent or more of a roof.

Wind Mitigation Insurance Discounts - MWUA policies may receive insurance discounts for wind mitigation construction in jurisdictions that have been graded with the Building Code Effectiveness Grading Schedule (BCEGS) for residential and commercial structures.

FORTIFIED Fund Grant Program - Each eligible household may receive up to $15,000 for roof replacement through the FORTIFIED Roof Grant or up to $7,500 towards a FORTIFIED Roof through the FORTIFIED Construction Grant.

Catastrophe Savings Accounts - Deposits made into an account labeled as catastrophe savings can be deducted from tax payer's gross income.

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Sign Up for Continuing Education Credits

We are approved for Continuing Education Credits for Insurance Agents, Home Builders, and Roofers.

"Really appreciated this class. Very rarely have I been in a CE class that actually teaches me something USEFUL for my team to offer to customers. Appreciate it!" -Oklahoma Insurance Agent

Funding Options to Help Rebuild or Re-Roof

Small Business Administration Loans - Those affected by a disaster can rebuild stronger by increasing their SBA disaster assistance loan up to 20% of the verified physical damage to make mitigation improvements. There is no cost to apply, and you are under no obligation to accept a loan if approved. 

  • Generally, borrowers have two years after loan approval to request an increase for higher rebuilding costs, code-required upgrades, or mitigation.
  • Call (800) 659-2955 and ask about increasing your loan for mitigation purposes, or visit sba.gov/disaster for more information.

Fannie Mae HomeStyle Renovation Loans - A mortgage that provides a simple and flexible way for borrowers to renovate or make home repairs with a conventional first mortgage, rather than a second mortgage, home equity line of credit, or other more costly methods of financing.​

Fannie Mae HomeStyle Energy Loans - A mortgage that helps lenders offer financing for homeowners to increase home energy efficiency and reduce utility costs.

  • Both HomeStyle Renovation and HomeStyle Energy mortgages may be combined with a HomeReady® mortgage so that low-income borrowers can take advantage of flexible features and additional savings.

USDA- Single Family Housing Repair Loans & Grants - A loan program providing loans to very-low-income homeowners to repair, improve, or modernize their homes. Grants are also available for elderly very-low-income homeowners to remove health and safety hazards.

HUD 203(k) Loans - A loan program for rehabilitating and repairing single-family properties allowing homebuyers and homeowners to finance both the purchase or refinancing of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.

  • The 203(k) program permits homebuyers and homeowners to finance up to
    $35,000 into their mortgage to repair, improve, or upgrade their homes.

HUD Mortgage Insurance for Disaster Victims - 203 (h) - Loan program for renters or homeowners if their homes are located in an area designated by the President as a disaster area and were destroyed or damaged to such an extent that reconstruction or replacement is necessary. These loans may be used to finance the purchase or reconstruction of a one-family home that will be the homeowner's principal residence.

  • The borrower must submit their application to an FHA-approved lending institution within one year of the President's disaster declaration.

Resilience Policy and Legislation

MS 2020 SB2709 - Amends and replaces MS 2012 HB1410. This act provides an insurance premium discount or insurance rate reduction for homeowners and business owners statewide who build, rebuild, or re-roof to the FORTIFIED standard.

    MS 2014 SB2378 - An act to adopt certain nationally recognized codes and standards as the state uniform construction code.