Definitions

In this Act: (1) Administrator The term Administrator means the Administrator of the Federal Emergency Management Agency. (2) Area median income The term area median income means the mean income in the locality in which the property is located based on the most recent annual publication of the Department of Housing and Urban Development. (3) Entity The term entity means a State (including the District of Columbia and the territories of the United States) eligible to receive STORM Revolving Loan Fund (RLF) capitalization grants under this Act. (4) Fortified Roof The term Fortified Roof means a roof meeting the Insurance Institute for Business and Home Safety (IBHS) FORTIFIED Roof Standard, which includes a sealed roof deck, enhanced edge protection, and ring-shank fasteners, and can be verified by a qualified Fortified Evaluator or consistent with, and no less stringent than, the standard developed by a nationally recognized, verifiable, science-based standard-setting organization, such as the Insurance Institute for Business and Home Safety. (5) Eligibility Criteria The term Eligibility Criteria means the homeowner eligibility framework established by the State agency governing eligibility requirements for mitigation grants that includes primary residence and homestead exemption, proof of wind insurance coverage (and flood insurance coverage where applicable), the issuance of a FORTIFIED Roof, Wildfire Prepared Home, or FORTIFIED Home designation upon project completion, and exclusions for new construction, condominiums, and mobile homes. (6) State agency The term State agency means a unit of a State government authorized to administer homeowner mitigation grants, including the office of the State Insurance Commissioner or an equivalent office. (7) Wildfire prepared home The term Wildfire Prepared Home means a home meeting the Institute for Business and Home Safety (IBHS) Wildfire Prepared Home Standard verified by a third-party inspector or consistent with, and no less stringent than, the standard developed by a nationally recognized, verifiable, science-based standard-setting organization, such as the Insurance Institute for Business and Home Safety, at either the Essential level, addressing ember intrusion and ignition risk, or the Enhanced level, which includes all Essential requirements plus additional protections against direct flame contact and radiant heat. The term includes any successor designation established by IBHS under a substantially equivalent standard recognized by the Administrator.