Get up to $50,000 to make your home more resilient against storms, flooding, and extreme weather while improving its energy efficiency. The funding is split into:

• Half as a low-interest loan (3% interest rate, 5-10 year repayment term)

• Half as a grant that doesn't need to be repaid once you complete your loan payments

ELIGIBILITY

• Must be a Long Island homeowner

• Property must be your primary residence (1-4 unit buildings eligible)

• Household income at or below 120% of the area median income 

• Property location must be eligible under program guidelines

WHAT IMPROVEMENTS ARE COVERED?

50% of the loan/grant proceeds must be used for resiliency measures that will fortify the home to protect against future flood and storm damage.

Additional eligible improvements include:

• Storm protection and weather resilience upgrades

• Energy efficiency improvements

• Home electrification projects

• Climate-ready home systems *Improvements must be to the main structure of your home

HOW IT WORKS

1. Choose your own contractor(s) - they must be licensed and insured

2. Work with us to plan eligible improvements

3. Get up to $25,000 as a grant

4. Get up to $25,000 as a 3% interest loan

5. Pay back just the loan portion over 5-10 years

ADDITIONAL INFORMATION

• No minimum credit score required

• Lender and third party fees do apply: approximately $1,189 – $1,779

• Technical assistance provided throughout the process

• Work must be completed by approved contractors

INCOME LIMITS FOR NASSAU AND SUFFOLK COUNTIES