How to Apply for the My Safe Florida Home Program (Up to $10,000)
- Author: Jeannie Dare
- Posted: 2026-02-02
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:
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Reduce hurricane damage
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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:
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August 4, 2025: Homeowners age 60+ earning below 80% of county median income
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August 18, 2025: Other low-income homeowners
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Later phases: Moderate-income households
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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:
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Identifies existing wind-resistant features
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Can be shared with your insurance company to unlock immediate discounts
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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
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Reinforcing roof-to-wall connections
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Strengthening ceiling attachments
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Adding secondary water resistance
Openings
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Upgrading windows
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Reinforcing exterior doors
Step 3: Save on Insurance
After completing upgrades:
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Notify your insurance provider
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Apply for hurricane-related premium discounts
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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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