Status, in one line
This program's status is genuinely unclear right now — one tracker reported it closed with no new round announced as of mid-2026, while a later check found NCIUA still posting no closure notice and still accepting applications. Confirm directly before assuming either way.
What's actually available in Pender County
Pender County — covering Topsail Island and the coast north of Wilmington — is one of 18 counties covered by NCIUA's Strengthen Your Coastal Roof program, which pays up to $6,000 toward a FORTIFIED Roof upgrade. This is separate from and smaller than the original Strengthen Your Roof program (up to $10,000), which is limited to rating territories 110 and 120 — the Outer Banks and Barrier Islands specifically, not Pender County.
Who actually qualifies here
- You must already hold an active NCIUA (Beach Plan) Homeowners, Windstorm/Hail, Dwelling, or Dwelling Windstorm/Hail policy — standard-market North Carolina homeowners insurance does not count
- Property located in Pender County
- Policy effective by the program's stated cutoff date — this has moved before, so confirm the current requirement directly
If you're a Pender County homeowner with standard-market insurance rather than NCIUA coverage, this program does not apply to you — check whether your insurer's standard homeowners policy offers its own wind-mitigation credits instead.
How to check eligibility
- StrengthenYourCoastalRoof.com — enter your NCIUA policy number and mailing zip code to check initial eligibility directly.
- Questions: 1-844-NCROOFS (844-627-6637)
Sources
- NCIUA / StrengthenYourCoastalRoof.com — official 18-county list and eligibility checker.
- Coastal Carolina Metal Roofing (July 2026 tracker) — conflicting status reports on whether the program is currently accepting new applications.
Last reviewed: August 28, 2026