Oklahoma City and Tulsa metros
Two Oklahoma programs may help bring the cost of a stronger roof down: the Strengthen Oklahoma Homes grant, and an insurance discount written into state law. Tell us about your home and an independent local roofing professional will price it, free.
Grant: oid.ok.gov/okready, the Oklahoma Insurance Department page for the program. Discount: 36 O.S. Section 962, varies by carrier. Discount terms as of July 2026. Photograph is illustrative.
Free, No Obligation
When you submit this form, your information is shared with an independent local roofing professional for the purpose of scheduling your free roof consultation and quote.
Why this roof, why now
A Strengthen Oklahoma Homes grant may be offered toward a FORTIFIED roof, sent straight to the contractor once the certificate is issued. Award amounts, eligibility rules, and application windows are set by the Oklahoma Insurance Department and change between funding rounds, so its page is the only current source. Timing matters, and an award is never assured.
Source: oid.ok.gov, House Bill 3089. As of July 2026.
36 O.S. Section 962 requires admitted insurers to discount the wind and hail portion of your premium for a certified FORTIFIED home. It reaches up to 42 percent, varies by carrier, and repeats every year the certificate stays current.
Source: 36 O.S. Section 962, oid.ok.gov.
Oklahoma has no residential roofing license. Roofers register with the Construction Industries Board and, as of July 1, 2026, hold a Residential Roofing Endorsement earned by exam. Grant work also needs a spot on the OKReady roster. All of it is free to confirm before you sign.
The real number
A FORTIFIED roof is not a separate, more expensive product. It is a replacement you were likely already facing, done to a written standard, with a grant that can come off the top and a discount that comes off every year after.
Here is the whole calculation on one card. Ranges are planning estimates, and your itemized written estimate is the number that counts.
See the Full WorksheetWorksheet
Ranges are planning estimates. Your itemized written estimate is the real number.
A Strengthen Oklahoma Homes grant may be offered toward a FORTIFIED roof for eligible Oklahoma homeowners, which would reduce what you pay. Award amounts, eligibility rules, and application windows are set by the Oklahoma Insurance Department and change between funding rounds, so its page is the only current source.
Grant: oid.ok.gov/okready, the Oklahoma Insurance Department page for the program. Discount: 36 O.S. Section 962, up to 42 percent off the wind and hail portion of the premium, varies by carrier. Premium and cost ranges per IBHS. Cost ranges as of July 2026.
The three upgrades
Source: IBHS, fortifiedhome.org/roof.
What FORTIFIED means
A FORTIFIED roof is an ordinary re-roof done to a written standard from the Insurance Institute for Business and Home Safety, then checked by an independent evaluator and recorded in a certificate your insurer accepts. It is built for design winds around 130 mph and hail up to 2 inches. It is engineered for wind and hail, not certified against tornadoes, so no roof should be sold as tornado-proof.
That paper trail is what unlocks the grant and the discount.
How it works
1
Two minutes on the form: your metro, whether you own and live in the home, what you are planning, and whether the grant or the discount is your priority. No account, no fee.
2
An independent local roofing professional working in your metro takes it from there. You deal with the contractor directly and confirm the CIB registration and OKReady roster spot yourself.
3
Get the written, itemized estimate, ask the FORTIFIED and grant questions from our guides, and move forward only if the numbers and the paperwork make sense to you.
We cover the Oklahoma City metro (Oklahoma City, Edmond, Norman, Moore) and the Tulsa metro (Tulsa, Broken Arrow, Owasso, Bixby), the two markets where the grant, the discount, and the hail exposure that drives all of it are concentrated.
Start here
The flagship service: what the retrofit involves, the evaluator and certificate path, and how a free quote works.
The cost math in one place: the section 962 discount, the grant as a possible offset, and the real metro replacement cost.
The statewide hub: the standard, the grant mechanic, the discount, the credential reality, and the owner checklist.
Questions and Answers
An independent local roofing professional installs the roof. Sooner Fortified Roofing is a free referral service: your project details go to a roofer working in the Oklahoma City or Tulsa metro. You hire the contractor directly. Oklahoma has no residential roofing license, so you confirm the roofer is registered with the Construction Industries Board and on the state OKReady approved roster yourself before you sign.
A standard metro asphalt replacement runs roughly $10,000 to $16,000, and the FORTIFIED upgrade adds about $1,000 to $3,000, plus an independent evaluator fee usually under $500. Against that, a Strengthen Oklahoma Homes grant may be offered toward the roof if you qualify, and the section 962 discount trims your wind and hail premium every year the certificate stays current. Your itemized written estimate is the real number.
Strengthen Oklahoma Homes has been statewide since January 2026 and runs in funding rounds, so whether one is open changes. Award amounts, eligibility rules, and application windows are set by the Oklahoma Insurance Department and change between funding rounds, so its page is the only current source. Check oid.ok.gov/okready for what is offered now before you plan around a grant.
Oklahoma law, 36 O.S. section 962, requires admitted insurers to give a premium discount for a home retrofitted to the IBHS FORTIFIED standard and certified by an evaluator. The discount reaches up to 42 percent off the wind and hail portion of the premium, varies by carrier, and is not offered by every company. It applies at your renewal after the certificate is submitted, and it repeats each year the certificate stays current.
Tell us about your home and an independent local roofing professional in the Oklahoma City or Tulsa metro will quote the FORTIFIED work. Free for homeowners, no obligation.
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