FHLB Dallas FORTIFIED Fund

Applications must be submitted by an FHLB Dallas Member Financial Institution. Homeowners and intermediaries cannot submit applications directly to FHLB Dallas. You can find FHLB Dallas members through our directory.

Member Requirements

• Members are responsible for ensuring that households have a family income of 120 percent or less of the area median income (AMI) at the time the household's income is verified. Verification must occur within 90 days prior to submission of the application to FHLB Dallas
• The member may not request funds in an amount exceeding $17,000 per household for the replacement of an existing roof. The funds will pay for the actual cost of the roof plus any allowable intermediary and evaluator fees within the program limits
• The roof must be completed in accordance with FHLB Dallas FORTIFIED Fund program requirements. The intermediary fee may not exceed $1,000
• The member must pass on the full amount of the funds as a grant for the benefit of the household for which the funds were approved
• If a member self-facilitates an application with no intermediary, the member may only have one “active” application at a time. Each application must be completed with all FORTIFIED certificates received before submitting a new application. If a member is working with multiple Intermediaries, the member may have multiple intermediary-facilitated applications at the same time
• Intermediaries may only have one “active” application at a time. Each application must be completed with all FORTIFIED certificates received before submitting a new application
• Funds are disbursed prior to renovation
• Households may not receive any cash back

Key documentation can be found in the FORTIFIED Fund User Guide. For each household included in the application, members are responsible for collecting and verifying the following:

• Roof Repair Estimate: The roofer must provide a cost estimate for each household included in the application. This document must be signed by the roofer, homeowner, and a member representative
• Pre-Construction Evaluation Affidavit: An IBHS certified evaluator must perform an initial review of each home’s current condition and provide documentation of the steps needed to complete the roof. The Pre-Construction Evaluation Affidavit serves as verification that this has occurred
• Household Income Certification Form: Income information for each household must be collected and verified on this form. Documentation must be collected to verify each source of income using FHLB Dallas methodology explained in this video. This includes, but is not limited to, paystubs, social security award letters, pension statements, and tax documents
• Sources & Uses: This document summarizes the project cost for each household. All sources of funds, including non-FHLB sources, must be included to show how all uses of funds will be paid for. Uses include roof cost, evaluators fees, and intermediary fees
• Proof of Homeownership: Evidence of homeownership must be collected for all homes

How it Works

FORTIFIED funds may only be accessed through a member institution. FHLB Dallas does not provide funds directly to consumers.

Application materials are posted in the resources tab. Members are required to collect and verify all information. These documents should not be submitted to FHLB Dallas at the time of initial request, although FHLB Dallas reserves the right to review all documentation. Members must retain all documentation through the duration of the project. 

FORTIFIED is a voluntary construction and re-roofing program developed by the Insurance Institute for Business & Home Safety, after decades of research, to reduce the damage caused by severe weather. To qualify for FORTIFIED Fund grants, homes must meet the FORTIFIED Roof™ standard and earn a FORTIFIED Roof designation. This requires verification that the installation and materials meet the standard and have been documented by a certified FORTIFIED evaluator. For further assistance about the FORTIFIED building process, please contact Smart Home America at 855.742.7233.

FORTIFIED — The National Standard for Resilient Construction

FORTIFIED is a voluntary construction and re-roofing program developed by the Insurance Institute for Business & Home Safety, after decades of research, to reduce the damage caused by severe weather.

To qualify for FHLB Dallas FORTIFIED Fund grants, homes must meet the FORTIFIED Roof^™ standard and earn a FORTIFIED Roof designation. This requires verification that the installation and materials meet the standard and have been documented by a certified FORTIFIED evaluator.

Note: Funds may only be accessed through a member institution. FHLB Dallas does not provide funds directly to consumers.

The materials below provide more detailed information regarding the FHLB Dallas FORTIFIED program.

Please note that the funding manual for 2026 will be made available in January 2, 2026.

Income Calculation Tool

FORTIFIED User Guide

FORTIFIED Fund Application Spreadsheet

FHLB Dallas FORTIFIED Product Sheet

Median Incomes