Oklahoma's Strengthen Homes Program: Grants to Combat Hail and Tornado Damage

In response to frequent damage caused by wind, hail, and tornadoes, the Oklahoma Insurance Department is administering grants to strengthen homes against these natural threats. State Representative Trey Caldwell emphasized the importance of adopting hail-resistant building materials, noting that Oklahoma has some of the highest homeowners insurance rates in the nation. Legislation was signed by Governor Kevin Stitt two years ago to allocate funds through the Strengthen Oklahoma Homes program, which is now set to roll out on a statewide scale.

Ashley Scott, Deputy Commissioner of the Oklahoma Insurance Department, explained that the initial phase in 2025 evaluated the program's processes via pilot implementations, testing systems and training contractors and evaluators. Over 500 applications were processed during this trial period. Homes must be in good condition to qualify for grants, except when damage results from tornadoes, windstorms, or hail.

Scott highlighted that the program has positively impacted at-risk homeowners, helping them secure fortified roofs that prevent water damage and protect possessions. Eligibility for the program requires evidence of homeowners insurance covering wind damage—and flood insurance if in a high-risk flood zone—along with necessary documentation like homestead exemption and tax returns. The Oklahoma Insurance Department notes that participants can achieve an average annual premium reduction of $800 through successful certification.