What is the My Safe FL Home Program?

The My Safe Florida Home Program (My Safe FL Home), re-established during the 2022 Special Session of the Florida Legislature, offers financial assistance to eligible Florida homeowners to help retrofit and strengthen homes against storm damage.

The program has two (2) main components, both administered by the Florida Department of Financial Services (DFS):

1. Is to provide eligible Florida homeowners with a free, no-obligation Hurricane Mitigation Inspection, which will assess the current hurricane-resistant features of their home and recommend improvements to further strengthen their home against hurricanes.
2. Is to offer eligible Florida homeowners a Hurricane Mitigation Grant to help cover the cost of recommended home improvements identified during the program's initial inspection, enhancing the home's hurricane resistance and potentially qualifying the homeowner for discounts on home insurance premiums.

There are two (2) types of Hurricane Mitigation Grants:

Matching Grants
The MSFH Program Matching Grant works on a reimbursement basis. Your Grant Application must be approved prior to proceeding with construction work. Payment requests are made at the end of the application process through a Draw Request. You must provide a paid-in-full invoice with your Draw Request. If your Draw Request is approved, you will be reimbursed for 2/3 of the total costs of the construction project up to a maximum state contribution of up to $10,000, subject to legislative appropriation.

(See "Maximum amount I can receive through My Safe FL Home" section for examples)

Low-Income Grants
Low-Income Homeowners who meet all other Hurricane Mitigation Grant Requirements are eligible for a Low-Income Grant of up to $10,000, subject to legislative appropriation, and are not required to provide a matching amount to receive grant funds. Low-Income Homeowners do not need to provide a paid-in-full invoice and are exempt from the insured value requirement.

PLEASE NOTE: My Safe Florida Home Program and the Florida Department of Financial Services (DFS) are not involved in or responsible for the contractor selection process or any aspects of the construction and payment process.  The program assumes no responsibility for the performance of the homeowner’s selected contractor. It is the sole responsibility of the homeowner to find and manage an eligible contractor and oversee the contractor relationship.