Strengthen Mississippi Homes Act; create catastrophic windstorm damage mitigation program in Department of Insurance.

HB 988, the "Strengthen Mississippi Homes Act," creates a state program to help Mississippi homeowners retrofit properties against hurricane, tornado, and windstorm damage. It directly affects residential and commercial property owners seeking to reduce vulnerability through physical improvements, with grants capped at $15,000 per home. Key provisions include renaming the existing hurricane damage program, removing prior requirements like cost-benefit studies, establishing a dedicated program fund, and mandating insurance companies to notify clients about the program within 30 days of filing insurance discounts. The bill also requires the Department of Insurance to submit annual reports tracking grants awarded, homes retrofitted, and estimated premium discounts.