The "Strengthen Arkansas Homes Act" establishes the Strengthen Arkansas Homes Program Fund to provide financial assistance to property owners and nonprofit organizations for mitigating losses to insurable dwellings caused by catastrophic wind events, including hail. The fund will be sourced from donations, grants, and governmental appropriations, and will be administered by the Insurance Commissioner. The act outlines eligibility criteria for property owners seeking grants, which include property ownership, insurance coverage, and compliance with construction standards. It also introduces the Strengthen Arkansas Homes Program, promoting the construction and retrofitting of homes to meet FORTIFIED Home construction standards, with a first-come, first-served application process prioritizing areas more susceptible to catastrophic wind events.

Furthermore, the bill sets new requirements for contractors and evaluators involved in the program, mandating that contractors be registered in Arkansas, maintain a general liability policy of at least $500,000, and hold relevant certifications, including a FORTIFIED Roof contractor certification. Evaluators must also maintain certification as a FORTIFIED Home evaluator and avoid financial interests in inspected projects. Additionally, the bill requires property insurers to provide premium discounts for properties certified as compliant with FORTIFIED Home standards and mandates the Insurance Commissioner to implement these provisions, effective January 1, 2026.