Resilient Retrofits
Resilient Retrofits from Homes and Community Renewal funds science-based upgrades to protect New York homes from flooding while promoting energy efficiency and electrification.
Funder: Homes and Community Renewal
Due Dates: October 23, 2026
Funding Amounts: Up to $50,000 per homeowner (split 50/50 loan and grant); up to $20,000,000 available for program administrators; 3% interest, 5–10 year repayment.
Summary: Supports low- and moderate-income New York homeowners in flood-prone areas to make resiliency and energy efficiency upgrades through a combination of grants and low-interest loans.
Key Information: 50% of funds must be used for flood/storm resiliency; program is statewide; no minimum credit score required.
Description
The Resilient Retrofits program, administered by New York State Homes and Community Renewal (HCR), provides a mix of low-interest loans and grants to help low- and moderate-income single-family homeowners across New York State fortify their homes against flooding and extreme weather. The program aims to reduce displacement and property damage from climate-related events, while encouraging energy efficiency and electrification upgrades that lower greenhouse gas emissions. Eligible improvements include flood mitigation (elevating systems, flood vents, fortified roofs), energy efficiency (insulation, efficient appliances), and electrification (heat pumps, solar panels, battery backup). The program is implemented locally by approved Community Development Financial Institutions (CDFIs) and similar lenders.
