Household Resilience Program

The Household Resilience Program provides funding to help eligible home owners improve the resilience of their homes against cyclones.

Eligible home owners can apply to receive a Queensland Government grant of 75% of the cost of improvements (up to a maximum of $11,250 including GST).

Find out about:


There is a 2 stage eligibility process.

For the first stage, you need to meet the following criteria to be eligible to apply. You:

  • live in a recognised cyclone risk area (in the area from Bundaberg to the Queensland/Northern Territory border within 50km of the coast)
  • own or be the mortgagor of a house built before 1984
  • live in the home (it's your primary place of residence)
  • meet the income eligibility requirements.

It will take approximately 1-2 weeks after we receive your application for our Household Resilience Program (HRP) team to assess your eligibility and confirm the outcome.

In the second stage, you will need to provide itemised and quantified quotes for upgrades to be performed on your home that total $3,300 or more.

After you have submitted the information for this part of the process, it will take approximately 1 month for our HRP team to assess the costs for the proposed work, inspect your property and advise you of the outcome.

Please note, approved grants are restricted to 1 per household and funding for the Household Resilience Program is limited.

Income test

To be eligible for the grant, weekly income must be less than:

  • $970 for an individual ($50,489 per year)
  • $1,342 for a couple ($69,804 per year)
  • $1,343 for a sole parent with one child ($69,852 per year)
  • $1,664 for a couple with one child ($86,552 per year)

The following weekly allowances also apply:

  • $322 for each additional dependent child ($16,748 per year)
  • $371 for each additional dependent adult ($19,315 per year)

Your co-contribution

Approved applicants will be required to make a minimum 25% co-contribution towards the approved program works undertaken and may be able to arrange a loan to fund all or part of this co-contribution.

No Interest Loan Scheme (NILS)

No interest loans up to $1,500 are available from 178 community organisations at 628 locations across Australia.

Find out more about the No Interest Loan Scheme

StepUP Loans

StepUP loans enable the applicant to borrow between $800 - $3000 and the loans are repaid over 3 years.

Find out more about StepUP

Improvement options covered

You can apply to make specific improvements covered under the program, including:

  • roof replacement including upgrade to roof tie-down
  • roof structure tie-down upgrades using an external over-batten system
  • replacement of garage doors and frames
  • window protection including cyclone shutters or screens
  • tie downs of external structures (e.g. sheds)
  • replacement of external hollow core doors with solid core external grade doors.

Visit the QBCC website for assistance finding a local QBCC licensed contractor.

How does the funding work?

You nominate the types of improvement works you wish to undertake on your home from the improvement options covered by the program.

Our assessors will review the quote you have obtained from your local QBCC licensed contractor. This review will form the basis of the grant allocation which will be 75% of the estimated costs, to a maximum of $11,250 including GST, that will be paid directly to the contractor upon completion of the work on your property.

You will need to pay your contractor for the remaining balance of the outstanding costs for the work that are not covered by the grant.

Application process

Check that you meet the eligibility criteria and that the improvements you want to make are covered by the program.

Apply online

The application process involves two main steps:

  1. Demonstrate that you are eligible.
  2. Obtain and submit your quote from a local licensed QBCC contractor (that you choose) which is then validated by a government inspector then approved by our grants team.

If the application and on-site assessment meet the criteria of the program, your application for a grant will be approved and we will contact you by email.

Approved applications

If your application is approved, you will enter into a QBCC approved building contract with your chosen contractor for the quoted works.

Before works commence, the contractor must provide you with evidence of their QBCC Home Warranty Insurance. You may also need to pay the contractor an initial deposit of no more than 10% of the quoted price for the works to start.

While works are underway, you and the contractor are responsible for coordinating all works including site safety, protection of property and temporary accommodation as required.

Completion of the improvement works

On completion of the work and before any remaining payments are made by any party, the contractor must provide you the following documentation. When you receive these documents (your contractor will know them) you will need to submit them to the Household Resilience Program grants team:

  • Evidence of QBCC Home Warranty Insurance (taken out by the contractor)
  • Form 15 for design compliance provided by engineer or supplier of proprietary products (e.g. cyclone shutters)
  • Form 16 for the installation of proprietary items or Form 21 for certification of structural works
  • Copy of contractor's invoice.

When the above items have been provided, an assessor will carry out an inspection of the works and our HRP team will arrange for the grant funding to be released to the contractor. You will also be required to pay the balance of your co-contribution to the contractor once you are satisfied that the work has been completed in full.

Benefits for home owners


Contact your home insurer to find out if undertaking any of these building upgrades covered under the program will qualify you for a reduction of your home insurance premium.