Resilient Retrofits
The Resilient Retrofits program funds flood resilience and energy efficiency upgrades for New York homeowners, supporting scientific and technical improvements like insulation, electrification, and solar panels.
Funder: Homes and Community Renewal
Due Dates: Rolling
Funding Amounts: Up to $50,000 per home: 50% as a grant (forgiven after loan completion), 50% as a 3% interest loan (5–10 year term)
Summary: Supports low- and moderate-income New York homeowners with funding to retrofit homes for flood resilience and energy efficiency.
Key Information: No minimum credit score required; must be current on mortgage and taxes.
Description
The Resilient Retrofits program, administered by New York State Homes and Community Renewal (HCR), provides a combination of low-interest loans and grants to help low- and moderate-income homeowners make their homes more resilient to flooding and extreme weather. The program also supports optional energy efficiency upgrades and electrification measures to reduce greenhouse gas emissions. Eligible work includes flood mitigation (such as raising mechanical systems, installing flood vents), storm protection, insulation, high-efficiency appliances, electrification of heating/cooling, and installation of solar panels or battery backup systems.
Local Program Administrators (LPAs), including Home HeadQuarters, Community Development Corporation of Long Island (CDCLI), and the Center for NYC Neighborhoods, manage regional implementation and homeowner outreach.
