The Florida Legislature has allocated $280 million for the 2025–2026 fiscal year to fund new Wind-mitigation Inspections and Grants under the My Safe Florida Home (MSFH) Program.
The MSFH Program is Two-Step Application Process:
1
Apply for a Free Wind-Mitigation Inspection
Create a portal account and submit your request.
2
Apply for a Wind-Mitigation Grant
Only after receiving your inspection report can you apply for the upgrade grant.
Funding is limited and grants are awarded on a first come, first served basis. We strongly encourage eligible homeowners to complete their applications as early as possible to maximize their chances.
Are you eligible for the My Safe FL Home Program?
Requirements include:
Requirement #1
The home must be a single-family, detached residential property or a townhouse
Requirement #2
The home must be site-built and owner-occupied
Requirement #3
The homeowner must have been granted a homestead exemption on the home under chapter 196,F.S.
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HURRICANE MITIGATION INSPECTIONS
The Program will provide eligible Florida Homeowners, free of charge and with no obligation, a Hurricane Mitigation Inspection that identifies the current Hurricane Resistant Features of hurricanes.
Eligibility requirements to apply for an INSPECTION through the Program are:
- Your home must be a single-family, detached residential property or townhouse
- Your home must be site-built and owner-occupied
- You must have been granted a homestead exemption on the home
Properties that are NOT eligible to receive an inspection through the Program include:
- Multi-Family Homes (such as apartments, duplexes, and triplexes)
- Condominiums
- Cooperatives
- Retirement Homes
- Mobile Homes & Manufactured Homes
- Second Homes, Vacation Homes, & Rental Properties
PLEASE NOTE: Single-family homes that are attached to other units will be treated as Townhouses
for the purposes of the My Safe FL Home Program.
Who is eligible for grants
Group 1
Low-income homeowners aged 60+
A “low-income person” is someone whose total household income is at or below 80% of the median income for their county of residence. Income includes wages, assets, contributions, and other resources counted as income by HUD, adjusted for family size, minus certain tax deductions. Born before July 1, 1965.
Group 2
Low-income homeowners
A “low-income person” is someone whose total household income is at or below 80% of the median income for their county of residenceIncome” includes wages, assets, contributions, and other resources counted as income by HUD, adjusted for family size, minus certain tax deductions.
Group 3
Moderate-income homeowners aged 60+
A “moderate-income person” is someone whose total household income is below 120% of the median income for their county of residence.Income includes wages, assets, contributions, and other resources counted as income by HUD, adjusted for family size, minus certain tax deductions. Born before July 1, 1965.
Group 4
Moderate-income homeowners of any age
A “moderate-income person” is someone whose total household income is below 120% of the median income for their county of residence. Income includes wages, assets, contributions, and other resources counted as income by HUD, adjusted for family size, minus certain tax deductions.
HURRICANE MITIGATION GRANTS
The Program will provide eligible Florida Homeowners a Hurricane Mitigation Grant to help fund specific home Improvements recommended by the Program’s Initial Inspection, strengthening homes against hurricanes and offering potential discounts on home insurance premiums.
Eligibility requirements to apply for a GRANT through the Program are:
- The home must have received an Initial Inspection through the Program.
- The home must be a dwelling with an insured value of $700,000 or less. Low-Income
Homeowners are exempt from this requirement. - The building permit application for initial construction of the home must have been made before January 1, 2008.
- The Homeowner must provide the name and license number of the Contractor selected to
perform the Mitigation Project. - The Homeowner must agree to make the home available for a Final Inspection once the
Project is complete. - The Homeowner must agree to provide to the Program any and all information received from
the Homeowner’s insurer identifying the discounts realized by the Homeowner because of the
Improvements funded through the Program.
You Have Questions. We Have Answers!
If you have any questions about the Program at any time, you can also review our MSFH Support Center. When submitting case-specific questions about the Program to the Support Center, please have your Case ID ready and use the email address associated with your MSFH account.
Have questions? See the Quick Links below to learn more!
Hey, Florida Homeowners!
The My Safe Florida Home Program
helps you get readier for
hurricanes and save money!
My Safe Florida Home Program Updates
If your portal status says: Grant App Prioritization Open
Complete your prioritization questionnaire to be eligible for a grant application when available.
Click here for more information
- For Future Information Click here.
- For Information on the Condo Pilot Program Click here
MY SAFE FLORIDA HOME VIDEOS
Mitigation Upgrades that Can Reduce Insurance Costs
THE 3 KEY STEPS TO THE PROGRAM
1. INSPECT
Having a quality wind-mitigation inspection done to your home is the first step towards making it stronger to withstand hurricanes and saving you money on your home insurance.
The inspection report you will receive will provide you with two key benefits:
- Give you the opportunity to share your report with your insurance carrier to make sure you’re currently receiving all available discounts on the hurricane portion of your home insurance premium.
- Be your roadmap to retrofitting your home with the proper improvements to help strengthen it against hurricanes and gain any available discounts on the hurricane portion of your home insurance premium.
2. STRENGTHEN
Using the recommendations contained in your inspection report is the next step towards strengthening your home against hurricanes through the following home improvements:
Roofs & Structure
- Strengthen Roof to Deck Attachments
- Reinforce Roof-to-Wall Connections
- Install Secondary Water Resistance for Roof
Opening Protection
- Window Upgrades
- Exterior Door Upgrades
(including Garage Doors)
Attention Florida Homeowners:
Always be sure to use a licensed contractor registered with the State of Florida for any improvement work you decide on completing, and we recommend getting bids from at least three contractors so you can compare pricing and choose the best option to suit your needs.
3. SAVE
Strengthening your home against hurricanes through proper improvements is a proven path to gain discounts on the hurricane portion of your home insurance premium.
Contact your insurance agent or carrier to:
- Inform them about the improvements you have made in order to gain available discounts on your home insurance premium.
- Speak with them about any other options available for you to save money.
- Wind Upgrades provide discounts by Law.
PROGRAM UPDATES
MY SAFE FLORIDA HOME PROGRAM RESOURCES
These are all excellent program resources that you should consider
downloading for future use and printing for reference.
Homeowner’s Guide
The homeowner’s guide to navigating the My Safe Florida Home Program
Eligible Improvements Guide
Explanation of the specific upgrades covered for reimbursement by the My Safe Florida Home Program
Contractors
Tips & suggestions when choosing and working with contractors
Reimbursement Process
Step by step guide for grantee reimbursement
How You Save on Your Insurance
Explanations of how and why you can save money on your homeowners policy in Florida
MSFH Portal Terms
Learn the MSFH Program case statuses and what they mean for you