Oklahoma Insurance Department Reopens Pilot Areas for Home Resilience Grants Ahead of 2026 Statewide Rollout

OKLAHOMA CITY — The Oklahoma Insurance Department (OID) has announced the reopening of previously designated zip codes for the pilot phase of its Strengthen Oklahoma Homes (SOH) programme, aimed at helping homeowners reinforce their properties against severe weather. The move marks the final stage of testing before a planned statewide rollout in 2026.

The SOH initiative, administered through OID’s OKReady platform, provides financial support for construction projects that meet the Insurance Institute for Business & Home Safety’s (IBHS) FORTIFIED Home – Roof™ standards. The goal is to improve the resilience of Oklahoma’s housing stock in a state frequently impacted by destructive storms, high winds and hail.

Under the scheme, eligible homeowners can access up to $10,000 in grant funding for certified upgrades such as stronger roof deck attachments, impact-resistant shingles, and wind-resistant attic vents. These improvements are designed to meet IBHS specifications, reducing the likelihood of costly damage and lowering long-term insurance costs.

Pilot Reopening Targets Previously Eligible Areas

OID confirmed that the newly reopened pilot phase will again focus on zip codes initially identified during the programme’s first launch. These areas were selected based on data including storm frequency, paid-loss records, the number of active homeowners’ insurance policies, and the availability of certified contractors.

“The pilot now reopens these previously eligible zip codes, allowing homeowners residing in the designated areas to apply for grant funds,” the department said in a statement. “This step reflects OID’s commitment to ensuring full take-up and normalization of the program ahead of the statewide launch.”

By re-engaging these areas, OID hopes to expand participation and ensure readiness before the scheme becomes available across all counties. The department said the reopening demonstrates its commitment to promoting proactive risk mitigation across the state.

Application and Eligibility Requirements

To qualify for the grants, applicants must live within one of the designated pilot zip codes, own and occupy their home as a primary residence, and maintain a homeowners insurance policy that includes wind coverage. Properties in flood-prone zones must also hold valid flood insurance.

Homeowners can apply online via www.oid.ok.gov/OKReady, where they can verify eligibility, access documentation checklists, and view approved contractors. To participate, both contractors and evaluators must hold IBHS certification and appear on the OID-approved list to ensure compliance with FORTIFIED Home standards.

Building Long-Term Resilience Across Oklahoma

Oklahoma remains among the most storm-prone states in the US, with frequent severe weather events causing significant annual damage. According to OID, homes built or upgraded to FORTIFIED standards have demonstrated markedly greater resistance to wind and hail, resulting in fewer insurance claims and more stable premiums for homeowners.

“By expanding the SOH program, OID aims to strengthen individual properties and contribute to statewide resilience, helping protect homeowners and the broader insurance market from weather-related loss volatility, and by helping families save on their homeowners’ premiums,” the department said.

The initiative reflects OID’s broader strategy to promote long-term mitigation and reduce disaster-related costs. By reinforcing homes before storms strike, the department aims to protect both families and the state’s insurance infrastructure from the growing risks associated with extreme weather.

Statewide Rollout Planned for 2026

With the pilot programme entering its final phase, OID confirmed that Strengthen Oklahoma Homes will expand to all 77 counties in 2026. Officials described this upcoming statewide rollout as a key milestone in Oklahoma’s efforts to boost resilience and manage insurance costs.

“A safe, resilient home is one of the best protections a homeowner can have against Oklahoma’s severe weather,” said Deputy Commissioner Ashley Scott, Director of OID’s OKReady initiative. “By reopening these ZIP codes and preparing for a statewide launch in 2026, we are expanding access to meaningful grants that help families protect their homes and reduce premiums.”

Encouragement for Homeowners to Prepare Early

Homeowners outside the pilot areas are being encouraged to begin preparing now by gathering necessary documentation — such as proof of homestead exemption and insurance coverage — and reviewing what upgrades may be needed to meet FORTIFIED Home standards.

OID emphasised that early preparation will ensure homeowners are ready to apply as soon as the programme opens statewide. The department said it remains committed to promoting safety, affordability, and resilience across Oklahoma’s housing market — ensuring that more families can protect their homes from the state’s increasingly volatile weather patterns.