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Insurance discount · Checked October 2026The FORTIFIED roof insurance discount in Mississippi runs from 15% to 30% among the discounts insurers have filed with the state, and the wind pool gives 20% to 30%. Whether your insurer has to offer one at all depends on your county.
Mississippi law makes insurers offer a discount for this kind of storm-proofing on homes in five coastal counties. Inland, the law doesn’t force it, so the discount is a company decision. That single line on the map changes how sure you can be of a saving before you build.
| Where the home is | Insurer must offer a discount? | What to do before you build |
|---|---|---|
| Hancock, Harrison or Jackson county | Yes. The amount is set by each insurer. | Ask for the filed percentage in writing. Wind pool customers can also apply for the grant now. |
| Stone or Pearl River county | Yes. The amount is set by each insurer. | Ask for the percentage. The grant reaches you in the statewide phase. |
| Anywhere else in Mississippi | No. It’s voluntary. | Ask whether your insurer offers one at all. If not, price the same cover with an insurer that does. |
Sources: Miss. Code § 83-75-3; Mississippi Insurance Department.
No Mississippi agency publishes an up-to-date table of each company’s FORTIFIED discount. Here is everything the state and IBHS have put in writing, with the date, so you can judge how fresh it is.
The most useful number is the Insurance Department’s own: insurers have filed FORTIFIED discounts ranging from 15% to 30%. Your company’s figure will sit somewhere in that band, or it won’t offer one at all.
An older Insurance Department page lists 17% for the wind pool’s former Bronze level. IBHS’s 2020 announcement puts the current FORTIFIED Roof credit at 20%, which is the figure we use.
| Insurer | What’s on record | Source |
|---|---|---|
| Wind pool (MWUA) | 20% Roof, 25% Silver, 30% Gold, plus 5% for tree hazards | IBHS, Apr 2020 |
| Nationwide | Named as giving a discount for IBHS certification | MID page, last changed Apr 2023 |
| State Farm | Named as giving a discount for IBHS certification | MID page, last changed Apr 2023 |
| Travelers | Named as giving a discount for IBHS certification | MID page, last changed Apr 2023 |
| Any insurer | Filed FORTIFIED discounts of 15% to 30% | MID, page updated Sep 2026 |
Insurify’s 2026 report puts the average Mississippi home insurance bill at $3,833 a year, and about $7,459 in the Gulfport-Biloxi area. Find the row closest to the premium your discount applies to. Some insurers apply it to the whole bill, others only to the wind part, so ask which.
| Premium the discount applies to | At 15% | At 20% | At 30% |
|---|---|---|---|
| $1,500 | $225 a year | $300 a year | $450 a year |
| $2,500 | $375 a year | $500 a year | $750 a year |
| $3,833 (state average) | $575 a year | $767 a year | $1,150 a year |
| $5,000 | $750 a year | $1,000 a year | $1,500 a year |
| $7,459 (Gulfport-Biloxi average) | $1,119 a year | $1,492 a year | $2,238 a year |
Premiums: Insurify 2026 report, via Yahoo Finance, Apr 2026. Discount range: Mississippi Insurance Department. Savings are simple percentages of the premium shown, before any other discounts.
The discount comes from the FORTIFIED certificate, not from the grant. A roof you pay for yourself earns it the same way as a grant-funded one.
Wind pool customers: the credit is applied to the MWUA policy, so the certificate goes to the agent who handles that policy, not only your main home insurer.
Insurers have filed discounts of 15% to 30% with the Mississippi Insurance Department. The wind pool gives 20% for a FORTIFIED Roof, 25% for Silver and 30% for Gold.
Only for homes in Hancock, Harrison, Jackson, Stone and Pearl River counties. Elsewhere it’s up to each insurer.
The Insurance Department names Nationwide, State Farm and Travelers, and the wind pool publishes its credits. Ask your own insurer for its current filed figure.
No. The discount comes from the FORTIFIED certificate, whether you paid for the roof or the grant did.
It depends on the insurer. Some apply it to the whole bill and some only to the wind part. Ask before you build.
Once you know your discount, the only other number you need is the cost. We’ll pass your details to one FORTIFIED-certified roofer serving your area.
Related: the wind pool discount in detail and what a FORTIFIED roof costs in Mississippi.