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.
- 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.
Homeowner's Guide
Learn about eligibility, grant applications and the MSFH Program process for homeowners.
Important Program Updates
Read about the new grant information set for the 2025-26 fiscal year by the Florida Legislature.
Use Our Calculator – Do the Math
Wind Mitigation Upgrade Cost Estimator
Plan Smarter. Save More.
Use this tool to estimate the potential costs of recommended wind mitigation upgrades to your home. Whether you’re exploring improvements on your own or planning to apply for a grant, this calculator gives you a better idea of what to expect—so you can make informed decisions that fit your budget and strengthen your home.
What you’ll get:
Cost ranges
Cost ranges for common upgrades like roof reinforcement, hurricane shutters, impact windows, and more
Estimates
Estimates based on typical contractor rates in Florida
Comparison
A side-by-side comparison of out-of-pocket costs vs. potential grant reimbursements
(if eligible)
Savings
Insurance savings potential based on typical wind mitigation discounts
Our Calculator Can Help You Choose Your Upgrades
YOUR SAVINGS TBD
Last year, on average, thousands of Florida homeowners saved $932. Your savings will differ.
Pensacola, Jacksonville, Miami, Melbourne, Tampa, Naples
NOTE:
These estimates are not quotes and should be used for planning purposes only. Actual costs will vary based on the specific features of your home and your contractor’s bid.
The maximum MSFH grant is $10,000. Some upgrades cost more—but the grant can significantly reduce your out-of-pocket expense.
Upgrading your home’s roof, windows and doors are some of the smartest investments you can make. It protects your home and may lower your insurance premiums. Contact your insurance agent or carrier for your specific savings.
New Roof
Upgrade Sheet
Upgrading Window Protections Sheet
Roof-To-Wall Connections Upgrade Sheet
Roof-to-Deck
Upgrade Sheet
Exterior and Garage Door Upgrade Sheet
Wind Mitigation Upgrade Cost Estimator
Plan Smarter. Save More.
Use this tool to estimate the potential costs of recommended wind mitigation upgrades to your home. Whether you're exploring improvements on your own or planning to apply for a grant, this calculator gives you a better idea of what to expect—so you can make informed decisions that fit your budget and strengthen your home.
This calculator is a planning tool only. All cost estimates provided are general approximations based on typical Florida construction pricing and may not reflect the actual price you will pay for materials or labor. Your actual costs may be higher or lower depending on your home’s structure, contractor rates, local permitting fees, and other factors.
Use of this tool does not guarantee grant eligibility, approval, or reimbursement. Only costs for eligible upgrades completed after inspection approval and in accordance with program rules may qualify for reimbursement. Please refer to the official program guidelines for full eligibility requirements and funding limits.
Always consult with a licensed contractor and review your inspection report before making upgrade decisions.