NYS Resilient Retrofits Program

Homeowners in Suffolk, Broome, Erie, Kings, Queens Counties may be eligible for up to $50,000 in a 50/50 loan/grant program to undertake flood mitigation measures and other climate-ready improvements to their homes, including energy upgrades.


  • Up to $50,000 in a combination low-interest loan with matching grant for flood mitigation and energy efficiency and electrification improvements (main structure of the home only)
  • Loans are at a 1% simple interest rate and are payable over 5-10 years
  • Grant portion, of up to $25,000, is considered a deferred loan through the term of the loan and forgiven once the terms of the loan are satisfied
  • Homes located in Extreme Risk Areas, Floodways and Coastal Erosion Zones are not eligible to participate
  • Homeowners choose their own properly insured and certified contractor(s)
  • Household income must be at or below 120% of HUD median income [examples of income levels: Onondaga County, Broome County, Erie County, Suffolk & Nassau Counties, Kings & Queens Counties]
  • No minimum credit score required
  • Primary residences only
  • Owner-occupied, 1-4 unit buildings allowed
  • Homeowner must undertake a flood mitigation measure as part of the overall home improvement. See examples of eligible flood mitigation repairs here. 


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Please submit all applications to ResiliencyInfo@cdcli.org.

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The Suffolk County Resilient Retrofit program is currently open to only primary residences that fall solely within the 500-year floodplain. If your primary residence falls within the 100-year floodplain, or spans multiple floodplains, you are not eligible for this funding. If you would like to add your name to an interest list to be notified if additional funding becomes available, please email ResiliencyInfo@cdcli.org or call (516) 206-3383.

The Suffolk County NYS Resilient Retrofits 1% Loan Fund is administered by Home HeadQuarters with assistance from the Community Development Corporation of Long Island (CDCLI) and made possible with funding from NYS Homes and Community Renewal.




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