Insurance Savings
with an IBHS FORTIFIED® Roof
Savings in North Carolina come from DOI‑approved wind mitigation credits. Credits vary by rating territory, policy form, construction type, and the IBHS FORTIFIED level shown on your designation certificate.
Key Facts at a Glance (NC‑Specific)
Mitigation credits (discounts) are available on qualifying homeowners policies in North Carolina's beach and coastal territories and apply to wind/hail coverage.
NC DOI – Fortified Homes & Mitigation CreditsHomeowners near the North Carolina coast—rating territories 110, 120, 130, 140, 150 and 160—may be eligible for insurance discounts, with the amount based on location and FORTIFIED level.
IBHS – Incentives for Residents of North CarolinaOfficial mitigation credit percentages are published by NCIUA for both Homeowners (HO) policies and Wind‑Only (HW) policies and differ for frame vs. masonry construction.
If your primary HO policy excludes wind (common on the coast), wind/hail is typically written on a separate NCIUA policy.
NC DOI – Windstorm and HailIBHS FORTIFIED roofs are associated with materially fewer and less‑severe claims in NC hurricane events: ~35% fewer claims and ~23% lower severity; analysis also found a 63% reduction in claims from non‑named storms.
Official NC Mitigation Credits
Homeowners Policies (HO 00 02/03/08)
Frame Construction — Coverage A Mitigation Rate Credit
FORTIFIED Roof – Hurricane – New Roof
3.7%–6.3%
Across Territories 110–160
FORTIFIED Home – Silver – New Roof
4.5%–12.9%
FORTIFIED Home – Gold – New Roof
6.3%–15.9%
Based on current NCIUA guidelines
Wind‑Only Policies (HW 00 02/03/08)
Frame Construction — Coverage A Mitigation Rate Credit
FORTIFIED Roof – Hurricane – New Roof
5.6%–7.9%
Across Territories 110–160
FORTIFIED Home – Silver – New Roof
6.7%–16.2%
FORTIFIED Home – Gold – New Roof
9.5%–19.9%
Based on current NCIUA guidelines
Important Note
Masonry homes have different credit tables. If you insure a masonry structure, see NCIUA's current masonry credit sheet.
View Masonry CreditsWho Is Eligible?
Insurance premium credits for IBHS FORTIFIED® roofs apply only in designated North Carolina coastal rating territories. Homeowners in these areas may be eligible for discounts depending on the FORTIFIED level and their specific territory.
Territory 110: Beach areas in Currituck, Dare, Hyde counties
Territory 120: Beach areas in Brunswick, Carteret, New Hanover, Onslow, Pender counties
Territories 130, 140, 150, 160: Other designated NC coastal inland counties (per NC DOI territory chart)
NC DOI Territory ChartImportant Notes:
- • IBHS explicitly lists territories 110, 120, 130, 140, 150, and 160 as eligible for FORTIFIED discounts in NC coastal areas.
- • The NC DOI Homeowners Territories Chart provides the county and ZIP-code mapping for each territory.
How to Get the Discount
Build to FORTIFIED Standards
Build or reroof to IBHS FORTIFIED standards and engage a Certified FORTIFIED Evaluator to document the installation.
Learn MoreObtain IBHS Certificate
Obtain the IBHS FORTIFIED designation certificate; this documentation is required by insurers to apply credits.
Learn MoreSubmit to Your Carrier
Provide the certificate to your agent/carrier and request the NC wind mitigation credit for your rating territory and FORTIFIED level.
Learn MoreMaintain Credit (5 Years)
Maintain the credit by re‑designation: credits apply for 5 years from the designation date and require renewal thereafter.
Learn MoreNC Coastal Rating Territories
NC coastal rating territories are 110, 120, 130, 140, 150 and 160.
IBHS – Incentives for Residents of North CarolinaWhy FORTIFIED Works Beyond Premiums
Important
Credits are applied to the Coverage A wind/hail rating for your policy (not to every line on your declarations page). Your actual dollar savings depend on your carrier's rating and surcharges. Credits apply to the Coverage A rate for the wind/hail component of your policy, not to every line item on your declarations page. Your actual dollar savings depend on your carrier's rating and surcharges.
Related pages
NC Government Resources
Federal, state and county agencies for hurricane preparedness and FORTIFIED programs.
OpenIndustry Authorities
IBHS, building science research and manufacturer resources behind the FORTIFIED standard.
OpenFORTIFIED Roof in North Carolina
Grants, insurance savings and how the evaluation process works, start to finish.
Open