Screw Patterns and Spacing: What Affects Wind Performance
The fastenerFastener (roof screw)A self-drilling or self-tapping screw used to attach metal roof panels or clips to the roof deck or structural framing. Exposed-fastener panels use screws through the panel face; standing-seam systems use screws only at the clip.Fastener spacing is engineered: closer spacing in edge and corner zones, wider spacing in the field. Screws must hit solid wood or steel framing. A missed fastener that only catches plywood has almost no pull-out resistance in high wind.Why it matters: Fastener material matters: #12 or #14 screws with ZAC (zinc-aluminum) coating are standard; stainless steel (Type 304 or 316) is recommended within 2,500 feet of saltwater. Corroded or improperly driven fasteners are the leading cause of metal roof leaks.Learn more → schedule — where screws are placed, how many per panel, and how they are spaced across the roof — is the single most important variable in exposed-fastenerExposed-fastener metal roofA metal roof system where panels are secured by screws driven through the panel face into the roof deck or purlins. The screw heads and neoprene washers remain visible on the surface.R-panel, PBR panel, corrugated, and 5V-crimp are all exposed-fastener systems. Common on agricultural buildings, shops, and budget residential roofs. A good choice when cost is the priority and the homeowner understands the maintenance commitment.Why it matters: Lower cost than standing seam (typically 30-50% less installed), but the exposed screws are a long-term maintenance liability. Neoprene washers degrade in UV light and can allow leaks within 15-20 years if not replaced.Learn more → wind performance. The same panel can meet a 90 mph or a 150 mph design wind speedDesign wind speedThe ultimate (3-second gust) wind speed used to calculate design wind pressures for a building at a specific location, per ASCE 7. Expressed in miles per hour (mph) for Risk Category II residential buildings.Design wind speed is not the same as sustained wind in a hurricane. The design speed is a statistical value (3-second gust with a 700-year return period for residential). Actual hurricane gusts can exceed this, which is why FORTIFIED and other above-code programs exist.Why it matters: This number drives every wind-related roofing specification: clip spacing, fastener count, panel gauge, and seam type. A home in a 150-mph design wind speed zone needs a substantially more robust roof system than one in a 115-mph zone.Learn more → requirement depending on how it is screwed down. On the Gulf Coast, where hurricane wind loads define every roofing specification, understanding screw patterns is not optional. It is the difference between a roof that survives a storm and one that peels off in sheets.
How Fastener Placement Determines Uplift Resistance
Every exposed-fastenerExposed-fastener metal roofA metal roof system where panels are secured by screws driven through the panel face into the roof deck or purlins. The screw heads and neoprene washers remain visible on the surface.R-panel, PBR panel, corrugated, and 5V-crimp are all exposed-fastener systems. Common on agricultural buildings, shops, and budget residential roofs. A good choice when cost is the priority and the homeowner understands the maintenance commitment.Why it matters: Lower cost than standing seam (typically 30-50% less installed), but the exposed screws are a long-term maintenance liability. Neoprene washers degrade in UV light and can allow leaks within 15-20 years if not replaced.Learn more → screw creates a mechanical connection between the panel and the structure. The screw threads into the roof deck (plywood, OSB, or structural framing), and the neoprene washerNeoprene washerA synthetic rubber gasket bonded to the underside of an exposed-fastener roofing screw head. Compresses against the panel to create a watertight seal around the screw penetration.EPDM washers last longer than standard neoprene but cost more. Some premium screws use a bonded EPDM washer with a metal cap to shield it from UV. On standing-seam roofs, this issue does not exist because fasteners are concealed.Why it matters: Neoprene degrades in UV sunlight, becoming brittle and cracking within 15-20 years. Once the washer fails, water infiltrates around the screw. This is the single biggest long-term maintenance issue with exposed-fastener metal roofs.Learn more → compressed between the screw head and the panel creates a bearing surface that holds the panel down against wind uplift. The more screws per panel area, the more connection points resisting uplift, and the higher the wind load the system can withstand.
The uplift resistance of the installed roof is the sum of all individual screw connections across the tributary area. Each screw has a pull-out capacity (how much force to pull the screw from the deck) and a pull-over capacity (how much force to pull the screw head through the panel). The lower of the two values is the screw's effective capacity. The total uplift resistance per square foot equals the number of screws per square foot multiplied by the effective capacity per screw.
Changing the fastener pattern from every-other-rib to every-rib roughly doubles the uplift resistance. On an R-panelR-panelAn exposed-fastener metal panel with 1.25-inch-tall trapezoidal ribs on 12-inch centers. One of the most common commercial and agricultural metal roof profiles, also used on budget residential projects.R-panel can span purlins up to 5 feet apart, making it efficient for open-frame structures. For residential use over solid deck, it is functionally similar to PBR panel.Why it matters: R-panel is widely available, affordable, and structurally strong for its weight. However, as an exposed-fastener system, it requires periodic screw and washer maintenance. Typical material cost is $1.50-3.00 per square foot.Learn more → with 12-inch rib spacing, screws at every other rib place one screw per 24 inches of panel width. Screws at every rib place one screw per 12 inches. The screw density per square foot doubles, and the uplift capacity of the system approximately doubles. This is the primary engineering tool for adapting an exposed-fastener roof to different wind zonesWind zoneA geographic classification based on design wind speeds, used by building codes and insurers to determine roofing requirements. The Gulf Coast spans wind zones from 115 mph inland to 180 mph in coastal South Florida.ASCE 7-22 maps define ultimate design wind speeds (3-second gust) for every location. Coastal Mississippi, Alabama, and the Florida Panhandle are typically 140-160 mph zones. Check your exact address at the ASCE Hazard Tool.Why it matters: Your wind zone determines the minimum uplift rating, fastener schedule, and product approvals required for your roof. Higher wind zones require closer clip spacing, thicker gauge, and mechanical-lock seams.Learn more →.
Typical Screw Patterns: Every Rib vs Every Other Rib
Every-Other-Rib Pattern (Standard/Light Wind)
Screws are placed at alternating ribs — one rib screwed, one rib skipped, repeating across the panel width. On an R-panelR-panelAn exposed-fastener metal panel with 1.25-inch-tall trapezoidal ribs on 12-inch centers. One of the most common commercial and agricultural metal roof profiles, also used on budget residential projects.R-panel can span purlins up to 5 feet apart, making it efficient for open-frame structures. For residential use over solid deck, it is functionally similar to PBR panel.Why it matters: R-panel is widely available, affordable, and structurally strong for its weight. However, as an exposed-fastener system, it requires periodic screw and washer maintenance. Typical material cost is $1.50-3.00 per square foot.Learn more → or PBR panelPBR panel (purlin-bearing rib)An exposed-fastener metal panel similar to R-panel but with a broader flat area at the base of each rib, providing a wider bearing surface on purlins. Rib height is typically 1.25 inches.PBR and R-panel are often confused. The main visual difference is the shape at the base of the rib: PBR has a wider flat landing, R-panel has a sharper angle. Both use the same fastening method.Why it matters: The wider bearing surface gives PBR slightly better pull-over resistance than R-panel at purlin connections. Performance difference is marginal for residential over solid deck, but meaningful for commercial purlin-frame buildings.Learn more →, this puts a screw at every 24 inches across the width. On a 5V-crimp5V-crimpA traditional metal roofing panel with V-shaped ribs spaced 5 inches apart across a 24-inch-wide panel. An exposed-fastener system with a lower-profile appearance than R-panel.Historically installed with galvanized steel and exposed nails. Modern 5V-crimp is available in Galvalume with PVDF paint and uses screws with neoprene washers. Popular in Florida and coastal Alabama/Mississippi.Why it matters: 5V-crimp has a classic Gulf Coast aesthetic that many homeowners prefer over the industrial look of R-panel. However, the shallow V-ribs provide less structural rigidity, and it is more vulnerable to oil canning.Learn more → panel, this puts a screw at every 10 inches (every other V).
This pattern is adequate for low-wind areas with design wind speeds under 110 mph. It uses fewer screws, which reduces installation time and cost. The roof surface has fewer penetrations, which means fewer potential leak points over the life of the roof. In areas well inland from the Gulf Coast — northern Mississippi, northern Alabama, central Louisiana — this lighter pattern may meet code.
This pattern is not adequate for most of the Gulf Coast. Design wind speeds along the Gulf Coast range from 115 to 180 mph. At these wind loads, the every-other-rib pattern does not provide sufficient uplift resistance in roof edge and corner zones, where wind pressures are 2 to 3 times higher than in the field.
Every-Rib Pattern (High Wind)
Screws are placed at every rib across the panel width. On R-panel and PBR, this puts a screw every 12 inches. On 5V-crimp, every V-crimp receives a fastener. This doubles the screw density compared to every-other-rib and is the minimum standard for most Gulf Coast installations.
Every-rib fastening is required in the edge and corner zones of most Gulf Coast roofs. Even if the field of the roof uses every-other-rib, building codes require enhanced fastening at eaves, rakes, ridges, and corners where uplift pressures are highest. The standard approach is every-rib fastening in the edge zones (within 3 to 6 feet of any roof edge) and every-other-rib in the interior field, with the exact dimensions determined by the building height, roof slope, and wind speed.
Enhanced Patterns (Extreme Wind)
In wind zones above 140 mph, even every-rib fastening may not meet the calculated uplift requirements. Enhanced patterns add additional screws between the standard rib locations — placing fasteners in the flat pan between ribs, or adding a second row of screws staggered from the first. Some engineers specify screws at every rib in a double row (staggered top and bottom of each purlin), effectively quadrupling the screw density compared to every-other-rib.
Enhanced fastener patterns are engineered, not improvised. The specific pattern is calculated by a structural engineer based on the site's wind-load analysis per ASCE 7, the screw pull-out capacity from the specific deck material, and the panel pull-over capacity. There is no universal "extreme wind" pattern — it varies by building, location, and panel type.
Edge vs Field Spacing: Why the Perimeter Matters More
Wind does not load a roof uniformly. The highest uplift pressures occur at roof edges, corners, and ridges — the areas where airflow separates from the roof surface and creates vortices. The International Building CodeIBC (International Building Code)The model building code adopted (with local amendments) by most U.S. states and municipalities. Chapter 15 covers roof assemblies and rooftop structures, including metal roof panel requirements.Alabama, Mississippi, Louisiana, and Texas adopt the IBC with state-specific amendments. Local jurisdictions may add requirements (e.g., Mobile County, AL follows stricter coastal provisions). Always check with your local building department for adopted code edition and amendments.Why it matters: The IBC references ASCE 7 for wind-load calculations and requires metal roof systems to be tested and approved for the design wind speed at the project location. Even in states without Florida's strict product-approval system, IBC compliance is required.Learn more → and ASCE 7 divide every roof into three zones with different design pressures:
- Zone 1 (Interior/Field): The central area of the roof, away from all edges. Experiences the lowest uplift pressures. Typical design values: 20 to 40 psf on low-rise residential buildings in moderate wind zones.
- Zone 2 (Edge): The perimeter of the roof — within one roof width or 10 percent of the least horizontal dimension (whichever is smaller) from any edge. Experiences 1.5 to 2 times the field pressure. Typical design values: 30 to 80 psf.
- Zone 3 (Corner): The corner areas where two edges meet. Experiences 2 to 3 times the field pressure. Typical design values: 40 to 120 psf. This is where roofs fail first in hurricanes.
The fastener schedule must respond to these zone differences. A roof that has every-other-rib fastening everywhere may meet the field-zone requirements but fail in the edge and corner zones. A properly engineered fastener schedule specifies different screw patterns for each zone:
- Field: Every-other-rib or every-rib, depending on wind speed and panel type
- Edge: Every-rib minimum, often with reduced row spacing (screws closer together along the length)
- Corner: Every-rib with reduced row spacing, or enhanced patterns with additional screws between ribs
The transition between zones must be clearly marked during installation. The installer needs to know exactly where the field zone ends and the edge zone begins so they can switch to the denser fastener pattern. A common installation error is applying the field pattern uniformly across the entire roof, leaving the edges and corners under-fastened. This error is invisible from the ground but creates the exact failure conditions that hurricanes exploit.
Engineering Requirements for Gulf Coast Wind Zones
The Gulf Coast spans design wind speedsDesign wind speedThe ultimate (3-second gust) wind speed used to calculate design wind pressures for a building at a specific location, per ASCE 7. Expressed in miles per hour (mph) for Risk Category II residential buildings.Design wind speed is not the same as sustained wind in a hurricane. The design speed is a statistical value (3-second gust with a 700-year return period for residential). Actual hurricane gusts can exceed this, which is why FORTIFIED and other above-code programs exist.Why it matters: This number drives every wind-related roofing specification: clip spacing, fastener count, panel gauge, and seam type. A home in a 150-mph design wind speed zone needs a substantially more robust roof system than one in a 115-mph zone.Learn more → from 115 mph (far inland) to 180 mph (coastal South Florida). The fastener schedule for an exposed-fastener roof in each location is determined by a wind-load analysis that considers the building's height, roof slope, exposure category (open terrain vs sheltered), and the specific roof zone (field, edge, corner).
115–130 mph Zones (Inland Gulf Coast)
This covers most of inland Alabama, Mississippi, Louisiana, and the northern Florida Panhandle. For a single-story residential building with a 4:12 to 6:12 roof slope, typical fastener requirements are:
- Field: #12 screws at every other rib with rows at 24-inch spacing along the panel length
- Edge: #12 screws at every rib with rows at 24-inch spacing
- Corner: #12 screws at every rib with rows at 12 to 18-inch spacing
130–150 mph Zones (Coastal Corridor)
This covers the immediate Gulf Coast from southeast Texas through coastal Alabama and Mississippi to the western Florida Panhandle. The higher wind speeds require significantly more fastening:
- Field: #12 or #14 screws at every rib with rows at 24-inch spacing
- Edge: #14 screws at every rib with rows at 12 to 18-inch spacing
- Corner: #14 screws at every rib with rows at 12-inch spacing, screws into framing members where possible
150–180 mph Zones (Florida Peninsula, Extreme Coastal)
At these wind speeds, exposed-fastener systems are pushed to their engineering limits. Many building departments and engineers recommend standing seamStanding-seam metal roofA metal roof system with vertical panels joined by raised seams (typically 1-1.5 inches tall) that lock together above the roof deck. Fasteners are hidden beneath the seam, not exposed to weather.Standing-seam panels come in snap-lock, mechanical-lock, and concealed-clip variants. Each attaches differently and has different wind-resistance ratings. Typical residential panel widths are 12, 16, or 18 inches.Why it matters: Concealed fasteners eliminate the #1 failure point on metal roofs: exposed screws that back out or lose their seal. Standing seam is the highest-performing metal roof system for wind resistance, water tightness, and longevity.Learn more → rather than exposed-fastener in these zones — our exposed-fastener wind performance analysis explains why. If exposed-fastener is used:
- Field: #14 screws at every rib with rows at 12 to 18-inch spacing
- Edge and corner: Enhanced patterns with screws between ribs, all fasteners into structural framing, reduced row spacing
- Additional requirement: TAS 125TAS 125Test Application Standard 125, a Florida-specific test protocol for wind-uplift resistance of non-structural roof coverings. Required for product approval under the Florida Building Code.TAS 125 is administered by the Florida Building Commission. Approved products are listed in the Florida Product Approval database (FL numbers). Always verify that the specific panel, clip, and fastener combination has a valid FL approval number.Why it matters: Any metal roof installed in Florida must have a product approval based on TAS 125 testing (or equivalent). Without it, the product cannot legally be installed. This ensures roofing systems meet Florida's stringent hurricane standards.Learn more → testing for Florida Building CodeFlorida Building Code (FBC)The statewide building code for Florida, one of the most stringent in the U.S. for wind and hurricane resistance. Requires product approvals (FL numbers or Miami-Dade NOAs), specific underlayment, and testing per TAS protocols.The FBC has two tiers: the base code (statewide) and the High Velocity Hurricane Zone (HVHZ) code for Miami-Dade and Broward counties. HVHZ requires Miami-Dade NOA approvals and full self-adhering underlayment. Both are more demanding than the International Building Code.Why it matters: Any metal roof installed in Florida must comply with FBC. This means the exact panel, clip, and fastener combination must have a valid Florida product approval. Unapproved products cannot legally be installed, and insurance will not cover them.Learn more → compliance; the specific panel-and-fastener combination must have a valid Florida product approval
What the Screw Hits Matters as Much as Where It Goes
A screw that misses the framing and threads only into thin sheathing provides a fraction of the holding power. On a typical residential roof with trusses at 24-inch spacing, the plywood or OSB sheathing between trusses provides 90 to 180 lbs of pull-out resistance per screw. The truss chord beneath the sheathing provides 250 to 400 lbs. At the edge and corner zones where maximum fastening is needed, every screw should hit a structural framing member if possible.
This means the installer must know where the trusses are. Before installing panels at roof edges and corners, mark the truss locations on the sheathing or use a stud finder to locate framing. Driving screws between trusses in a high-wind zone is not just a missed opportunity — it can be the difference between meeting and failing the engineered uplift requirement.
Screw length matters for the same reason. A 1-inch screw penetrating 7/16-inch OSB has only 9/16-inch of thread engagement in the sheathing. A 1.5-inch screw has over an inch of engagement. Longer screws provide more thread contact, increasing pull-out resistance. For Gulf Coast applications, 1.5-inch minimum screw length is standard for through-sheathing connections, and 2-inch or longer for connections into framing.
Common Fastener Installation Errors
Over-Driving Screws
An over-driven screw compresses the neoprene washerNeoprene washerA synthetic rubber gasket bonded to the underside of an exposed-fastener roofing screw head. Compresses against the panel to create a watertight seal around the screw penetration.EPDM washers last longer than standard neoprene but cost more. Some premium screws use a bonded EPDM washer with a metal cap to shield it from UV. On standing-seam roofs, this issue does not exist because fasteners are concealed.Why it matters: Neoprene degrades in UV sunlight, becoming brittle and cracking within 15-20 years. Once the washer fails, water infiltrates around the screw. This is the single biggest long-term maintenance issue with exposed-fastener metal roofs.Learn more → too far, deforming the panel around the screw head and creating a dimple. The dimple collects water and the over-compressed washer loses its ability to spring back, leaving a permanent deformation that compromises the seal. In extreme cases, the screw head can actually depress below the panel surface, creating a cup that pools water directly over the penetration.
Under-Driving Screws
An under-driven screw does not compress the neoprene washer enough to create a watertight seal. The washer sits loosely on the panel, allowing water to wick under the washer and around the screw shaft. This is a leak source from day one, not a long-term degradation issue.
Driving Screws Off-Center on the Rib
On panels where screws go through the flat pan (the low area between ribs), centering is less critical. But on panels where screws go through the rib crown (the high point), off-center screws hit the curved transition between the flat and the rib, where the washer cannot seat flush. The washer contacts the panel on one side but gaps on the other, creating an uneven seal that allows water entry.
Uniform Spacing Across All Zones
The most consequential installation error is applying the same fastener pattern everywhere. A roof that has every-other-rib screws uniformly may look complete, but the edges and corners are under-fastened relative to the engineering requirement. In a hurricane, the edges and corners fail first — and they fail because the fastener density did not match the wind-load zones.
More screws always means a better roof.
Reality: There is an optimal screw density for each roof zone. Too few screws under-designs the uplift resistance. But too many screws creates additional penetrations in the panel surface — each one a potential leak point over the life of the roof. The correct approach is an engineered fastener schedule that matches the screw pattern to the calculated wind loads in each zone, using the minimum number of properly placed screws to meet the required safety factor.
Why do roof corners require more screws than the field of the roof?
Frequently Asked Questions
Should screws go through the rib (high) or the flat (low)?
This depends on the panel type and the application. On R-panelR-panelAn exposed-fastener metal panel with 1.25-inch-tall trapezoidal ribs on 12-inch centers. One of the most common commercial and agricultural metal roof profiles, also used on budget residential projects.R-panel can span purlins up to 5 feet apart, making it efficient for open-frame structures. For residential use over solid deck, it is functionally similar to PBR panel.Why it matters: R-panel is widely available, affordable, and structurally strong for its weight. However, as an exposed-fastener system, it requires periodic screw and washer maintenance. Typical material cost is $1.50-3.00 per square foot.Learn more → and PBR panelPBR panel (purlin-bearing rib)An exposed-fastener metal panel similar to R-panel but with a broader flat area at the base of each rib, providing a wider bearing surface on purlins. Rib height is typically 1.25 inches.PBR and R-panel are often confused. The main visual difference is the shape at the base of the rib: PBR has a wider flat landing, R-panel has a sharper angle. Both use the same fastening method.Why it matters: The wider bearing surface gives PBR slightly better pull-over resistance than R-panel at purlin connections. Performance difference is marginal for residential over solid deck, but meaningful for commercial purlin-frame buildings.Learn more → installed on purlins, screws typically go through the flat pan into the purlin. On residential installations over solid deck, screws can go through either location. 5V-crimp5V-crimpA traditional metal roofing panel with V-shaped ribs spaced 5 inches apart across a 24-inch-wide panel. An exposed-fastener system with a lower-profile appearance than R-panel.Historically installed with galvanized steel and exposed nails. Modern 5V-crimp is available in Galvalume with PVDF paint and uses screws with neoprene washers. Popular in Florida and coastal Alabama/Mississippi.Why it matters: 5V-crimp has a classic Gulf Coast aesthetic that many homeowners prefer over the industrial look of R-panel. However, the shallow V-ribs provide less structural rigidity, and it is more vulnerable to oil canning.Learn more → is typically fastened at the V-crimp crown. CorrugatedCorrugated metal roofingMetal panels formed with a repeating sinusoidal (wave-shaped) profile, typically with 2.67-inch or 1.25-inch wave spacing. One of the oldest and simplest metal roof profiles.Modern corrugated panels are available in Galvalume with painted finishes, a major upgrade over the bare galvanized sheets of past decades. Common for porches, sheds, and budget residential roofs.Why it matters: The wave shape gives corrugated panels good strength-to-weight ratio and natural water channeling. Inexpensive and easy to install, but the overlapping side laps and exposed fasteners limit weather resistance compared to standing seam.Learn more → is fastened at the crown of the wave. Crown fastening sheds water away from the screw, which can extend washer life.
What size screw should I use?
#12 screws are the minimum for residential metal roofing. #14 screws are recommended for Gulf Coast high-wind zones. The larger shank diameter of a #14 screw provides 15 to 25 percent more pull-out resistance than a #12 in the same substrate. For edge and corner zones in 130+ mph design wind speed areas, #14 screws into framing are the standard specification.
How do I know if my existing roof has the right fastener pattern?
Count the screws per rib across a panel width in the field, then compare to the edges. If every rib has a screw in the field and every rib plus additional screws appear at the edges and corners, the pattern is likely engineered. If the screw pattern is uniform everywhere — same spacing at the edge as in the center — the installation may not meet current wind-zone requirements. A roofing inspector or engineer can evaluate the pattern against current code.
Can I add screws to an existing roof to improve wind resistance?
Yes, and this is one of the most cost-effective wind-hardening upgrades available. A retrofit fastener project — adding screws to the edge and corner zones of an existing exposed-fastener roof — can be done for $500 to $1,500 on a typical residential roof. The additional screws should be the same type and size as the originals, with new neoprene washersNeoprene washerA synthetic rubber gasket bonded to the underside of an exposed-fastener roofing screw head. Compresses against the panel to create a watertight seal around the screw penetration.EPDM washers last longer than standard neoprene but cost more. Some premium screws use a bonded EPDM washer with a metal cap to shield it from UV. On standing-seam roofs, this issue does not exist because fasteners are concealed.Why it matters: Neoprene degrades in UV sunlight, becoming brittle and cracking within 15-20 years. Once the washer fails, water infiltrates around the screw. This is the single biggest long-term maintenance issue with exposed-fastener metal roofs.Learn more →, driven to proper depth.
Does the fastener schedule affect the FORTIFIED designation?
Yes. The FORTIFIED RoofFORTIFIED RoofA voluntary above-code construction standard developed by the Insurance Institute for Business & Home Safety (IBHS). FORTIFIED Roof designation requires sealed roof deck, upgraded fastening, and specific flashing details beyond minimum code.FORTIFIED has three levels: Roof, Silver, and Gold. The Roof designation (most common) focuses on the roof covering, sealed deck, and edge metal. A trained FORTIFIED Evaluator must inspect the installation. The designation is valid for 5 years.Why it matters: A FORTIFIED Roof designation can qualify homeowners for insurance premium discounts of 15-55% in Alabama, Mississippi, Louisiana, and other Gulf Coast states. Metal roofs are well-suited to meet FORTIFIED requirements when properly installed.Learn more → program requires that the roof attachment meet specific uplift resistance thresholds verified by a FORTIFIED Evaluator. The evaluator will inspect the fastener pattern, screw type, and spacing to confirm compliance. An under-fastened roof cannot achieve FORTIFIED designation regardless of the panel type or quality. Our FORTIFIED program guide explains the designation tiers and insurance premium reductions.