; (2) assisting in the determination of the location of risk by giving careful consideration to the natural risks for the location of a property; (3) providing inspections of homes to identify areas to strengthen such homes and reduce exposure to natural catastrophes; (4) providing financial assistance to homeowners to retrofit homes to reduce exposure to natural catastrophes; or (5) supporting disaster response readiness programs, including initiatives that develop, enhance ,or maintain the capacity of a public safety organization to be better prepared, equipped, and trained to respond to natural catastrophes. (c) Priority In making grants under the program under subsection (a), the Secretary shall give priority to applicants demonstrating greater financial need, including applicants serving lower income individuals and areas. (d) Consultation with experts In carrying out the program established under subsection (a), the Secretary of Housing and Urban Development shall consult with— (1) disaster preparedness and response organizations; (2) homebuilders; (3) real estate professionals; (4) building code enforcement agencies