The "Strengthen Mississippi Homes Program"; designate and prescribe mitigation requirements.

SB 2413 renames Mississippi's hurricane damage mitigation program to the "Strengthen Mississippi Homes Program" and increases financial grants for property owners to $15,000 per home to retrofit structures against wind and hurricane damage. The bill removes requirements for cost-benefit studies and an advisory council, while directing insurance companies to notify clients about the program within 30 days of filing discount schedules. Funding comes from a new fee structure: half of the $50 fee for processing agent certificates (effective 2025) goes into the dedicated "Strengthen Mississippi Homes Fund." This program directly affects single-family homeowners and commercial property owners seeking to reduce vulnerability to wind/hurricane damage.