How to Apply for the My Safe Florida Home Program (Up to $10,000)

The My Safe Florida Home Program offers eligible homeowners grants of up to $10,000 to strengthen their homes against hurricanes and extreme winds.

The latest phase of the program launched in August 2025 with $280 million in state funding.

The goal is twofold:

• Reduce hurricane damage

• Lower homeowners insurance premiums through wind-mitigation upgrades

Even homeowners who do not receive a grant may still benefit from a free wind inspection, which can qualify them for insurance discounts.

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Who Gets Priority

Applications are processed first come, first served, but access opened in stages:

• August 4, 2025: Homeowners age 60+ earning below 80% of county median income

• August 18, 2025: Other low-income homeowners

• Later phases: Moderate-income households

• Late September 2025: General public

 

Step 1: Get a Wind Mitigation Inspection

The process starts with a state-approved wind inspection of your home.

This inspection:

• Identifies existing wind-resistant features

• Can be shared with your insurance company to unlock immediate discounts

• Provides a report outlining recommended upgrades for grant eligibility

 

Step 2: Make Approved Home Improvements

If you qualify for a grant, funds can be used for improvements such as:

Roof and Structure

• Reinforcing roof-to-wall connections

• Strengthening ceiling attachments

• Adding secondary water resistance

Openings

• Upgrading windows

• Reinforcing exterior doors

 

Step 3: Save on Insurance

After completing upgrades:

• Notify your insurance provider

• Apply for hurricane-related premium discounts

• Ask about additional savings options

Florida law requires insurers to offer discounts for qualifying wind-mitigation improvements.

 

Why This Program Matters

Hurricane-resistant upgrades not only protect your home but can also lead to long-term insurance savings, even if you don’t receive the full grant.

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