Property owners are not powerless in the face of hurricanes, severe convective storms, and other high wind events. Research from the Insurance Institute for Business & Home Safety (IBHS) has identified critical mitigation actions that can be taken to strengthen roofs, openings (windows and doors), and designed load paths of structures.

These mitigation actions are the foundation of the FORTIFIED Multifamily™ program (FORTIFIED), a voluntary construction and re-roofing program designed to strengthen properties against severe weather, including hurricanes, tropical and convective storms, and even tornadoes.

A 2018 study by the National Institute of Building Science (NIBS) shows that for every $1 spent on FORTIFIED Multifamily construction, approximately $4 is saved in disaster recovery expenses.

Description + function

Team inspects a building under construction
The FORTIFIED team examines the continuous load path of a home in Gray, Louisiana. 
Team inspects a building under construction
Documentation verifying key elements of the FORTIFIED standard is required to earn a designation.
Images: IBHS

FORTIFIED is available for new construction and through retrofits made when a building is re-roofed. Building or re-roofing to the FORTIFIED standard greatly reduces potential for property damage from natural disasters, including hurricanes and high wind/hail; protects physical assets—such as the building, equipment, inventories, and tenant improvements; and increases the likelihood of immediate reuse post-disaster, getting tenants back into their homes.

FORTIFIED includes a third-party verification process that ensures projects seeking a FORTIFIED designation are designed and constructed in a manner consistent with the requirements of the program. FORTIFIED evaluators, trained and certified by IBHS, work directly with the building owner or owner’s representative to complete the necessary document reviews and site evaluations. The evaluator is responsible for providing IBHS with the proper information to issue a FORTIFIED designation for multifamily buildings. The company providing FORTIFIED evaluation services and the building owner or owner’s representative sign a “Consulting Services Agreement” laying out the terms of working relationship.

Strategy into action

Bottle Arts Lofts building

Bottle Art Lofts in Lafayette, LA, received one of the first FORTIFIED Multifamily designations in March of 2022. 
Image: IBHS

FORTIFIED employs an incremental approach to provide three levels of designation:

The requirements of FORTIFIED Roof apply to most low slope and steep slope roofing systems and provide higher wind resistance roof covers and roof decks, properly attached roof mounted equipment, steep slope sealed roof deck and stronger edge flashing.   
FORTIFIED Silver™ adds additional protection to vulnerable and often overlooked components, including walls, windows, doors, and parapets.
FORTIFIED Gold adds further requirements that the building’s entire structure is tied together forming a continuous load path.
Each level is based on decades of research and rigorously designed to offer increasing levels of risk reduction, decreasing potential financial loss and loss of use.  
Studies at the IBHS Research Center show how garage door failure can lead to catastrophic damage.
At its lab in Richburg, SC, IBHS demonstrates the importance of a continuous load path.
IBHS tests buildings in realistic severe weather conditions to determine vulnerabilities in typical construction.
Images: © Insurance Institute for Business and Home Safety

Mitigation actions covered by FORTIFIED include:

  • Upgraded Roof Cover System
  • Enhanced Roof Deck Attachment and Fasteners
  • ES-1/FM-4435 Tested Roof Flashing
  • Pressure-rated Gutter Systems
  • Wind and Rain Resistant Vents
  • Exposed Fasteners are Corrosion Resistant
  • Impact Resistant* & Pressure Rated Skylights
  • Mechanically Secured Roof-Mounted Equipment
  • Wind-resistant Lightning Protection System
  • Pressure-rated Windows & Doors
  • Impact Protection for Windows & Doors*
  • Impact* & Pressure-Rated Garage Doors
  • Impact* and Pressure-Rated Exterior Walls (Exposure Category C or D)
  • Parapets Engineered for Wind and Pressure
  • Engineered Equipment Screens
  • Engineered Gable End Bracing
  • Flood Protection for Electrical Equipment
  • Flood Protection for Mechanical Equipment
  • Engineered Continuous Load Path
  • Engineered Attachments of Accessory Structures
*For hurricane-prone regions only

Operations + maintenance

Team inspects a building under construction
Flood protection for mechanical and electrical equipment is a requirement for FORTFIED Commercial and Multifamily.
Team inspects a building under constructionAccording to the FORTIFIED Commercial and Multifamily standards, Rooftop Equipment must be mechanically fastened, as seen here at Bottle Art Lofts in Lafayette, LA.
Images: IBHS
Sunny day, Status Quo

FORTIFIED designations are valid for five years but building owners have the option to have re-evaluations completed to maintain their designation. Between designation periods, building owners should avoid taking actions that may affect the resilience of the roof or other building features covered by FORTIFIED, such as adding utility systems, satellite dishes, or solar panels to the roof, without working with a FORTIFIED evaluator and meeting the appropriate FORTIFIED standard. While such systems can be added in a manner consistent with FORTIFIED, improper installation can undermine resilience and result in a loss of designation. Working with a FORTIFIED evaluator will ensure that additional work or other repairs will provide the greatest amount of resiliency and maintain the achieved designation level.  

Inspect Roof and Building Features after storms 

Following wind events, the roof and other building features must be carefully inspected to determine whether damage has occurred. All damages must be documented, and if necessary, repairs must be conducted and documented in accordance with the FORTIFIED technical standard in consultation with a FORTIFIED evaluator. Working with a FORTIFIED evaluator and IBHS is critical to avoiding issues with standard compliance and redesignation.

Les Maisons de Bayou Lafourche in Lockport, LA, received the first FORTIFIED Multifamily designation after coming through Hurricane Ida with minimal damage.  
Image: IBHS


The Lodge in Gulf Shores, AL, received the first FORTIFIED Commercial designation in the nation and later remained open and housed staff and emergency responders during and after Hurricane Sally.
Image: IBHS
Commercial building


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Case Study:
Installed Sump Pump

Case StudyLes Maisons


Lockport, Louisiana’s Les Maisons de Bayou Lafourche provides 35 mixed-income green, storm-resilient, and durable housing units in Lockport, Louisiana – a bayou area at high risk for hurricanes. The project is a result of Louisiana’s Strategic Adaptations for the Future Environments initiative funded through the Department of Housing and Urban Development (HUD). 

In August 2021, as the Les Maisons project neared completion, Lockport was hit with the eye of Hurricane Ida. In comparison to neighboring developments that experienced catastrophic damage from the hurricane winds, the Les Maisons units experienced only minor cosmetic damage and opened on schedule. In January 2022, Les Maisons de Bayou Lafourche received one of the first FORTIFIED Multifamily designations in the nation. 


Consistent with the state’s funding requirements, the Les Maisons project was built to Enterprise Green Communities’ “Design for Resilience” criteria and IBHS’s FORTIFIED Gold designation. 


The Louisiana Housing Corporation and the Louisiana Office of Community Development awarded $7 million in Community Development Block Grant-National Disaster Resilience funds to create the $10.9 million resilient, affordable housing development.

Les Maison houses finished

Les Maisons de Bayou Lafourche in Lockport, LA, received the first FORTIFIED Multifamily designation after coming through Hurricane Ida with minimal damage.

Images: IBHS

Lockport, Louisiana

35 units

$10.9 million

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