My Safe Florida Home Program Guide

My Safe Florida Home (often shortened to MSFH) is a Florida program created under state law to help homeowners strengthen site-built, owner-occupied single-family homes against hurricanes. It is administered by the Florida Department of Financial Services, and it is funded through appropriations made by the Florida Legislature.

The program has two connected parts: a free wind mitigation inspection, and a grant that may reimburse part of the cost of improvements recommended by that inspection. The inspection comes first — the grant side of the program is built around what the inspection report recommends.

• A free wind mitigation inspection of an eligible home, performed by an authorized inspector.
• An inspection report listing recommended improvements for that specific home.
• A grant application, available to homeowners who qualify, covering only improvements the report recommends.
• A completed project, a final inspection and a reimbursement or disbursement step.

Homeowners work through an official online applicant portal, and cases move through defined statuses as each step is completed.

As reviewed on September 11, 2026, the official program site described free wind mitigation inspections and grant funding as available, with the current program terms covering the 2025-26 program year. Funding depends on legislative appropriations, and application access is organised into prioritization groups rather than being open to everyone at once.

Status, funding and access windows change. Always confirm the current position on the official My Safe Florida Home site before planning around the program.

The program treats inspection eligibility and grant eligibility separately. In broad terms, official materials describe the free initial inspection as being for site-built, owner-occupied single-family homes with a homestead exemption, and specifically exclude categories such as mobile and manufactured homes, second homes, rentals and retirement homes. Grant eligibility involves further requirements and depends on the inspection report.

Read the eligibility guide for how official materials separate those requirements.

The free inspection is the program's entry point. Homeowners create an account, complete a prioritization questionnaire, wait to be placed in an inspection group, then submit an inspection application when their group's window opens. An authorized wind mitigation inspector then assesses the home and produces a report.

Read the inspections guide for the process in detail and how it differs from an insurance wind mitigation inspection.

Official program materials identify four improvement categories eligible for grant funding when recommended in the initial inspection report: opening protection, roof-to-wall attachment, roof deck attachment and secondary water resistance. Work outside those categories, or not recommended in the report, is described as not eligible for funding.

Read the qualifying improvements guide for what each category covers and how it relates to common home projects.

The 2025-26 program terms describe two grant types. Under a matching grant, the homeowner is reimbursed for two-thirds of the total mitigation project cost, up to a maximum state contribution of $10,000, subject to legislative appropriations. Low-income homeowners, as defined in state law, are described as not required to provide matching funds, up to the same $10,000 maximum state contribution.

These figures come from the official 2025-26 program terms as reviewed on September 11, 2026. Amounts, definitions and rules are set by the program and can change between program years, so verify them in the current official documents before relying on them.

• Create an account in the official applicant portal.
• Complete the prioritization questionnaire.
• Wait for placement into an inspection group; access to the inspection application follows your group's window.
• Submit the inspection application and confirm home details and scheduling availability.
• Have the free wind mitigation inspection performed and review the resulting report.
• If eligible, submit a grant application covering recommended improvements.
• Complete approved work, then follow the program's final inspection and reimbursement steps.

The official step-by-step guides on the program's resources page are the authoritative description of this sequence.

Exact document requirements are set by the program, appear inside the portal and change between program cycles. As a general preparation aid, homeowners commonly gather property and ownership information, homestead exemption details from the county property appraiser, identification and contact information, insurance information, and — later in the process — contractor proposals, permits, invoices and photographs.

Treat this only as a starting point. Follow the document list shown in the official portal and current Homeowner's Guide.

If your project moves forward, the program sets its own contractor and process requirements, and those requirements apply regardless of how you found the contractor. Working with a company through Florida Safe Home does not satisfy, replace or influence any program requirement.

• Follow the official program's current contractor and process requirements.
• Independently confirm the contractor's current Florida licence with the state.
• Request current proof of insurance before work begins.
• Verify any program-specific contractor requirements directly with the program.
• Get the scope, materials, exclusions and payment terms in writing.

Before a contractor is activated on Florida Safe Home we check the licence information they submit against the state record and review a submitted certificate of insurance. Those checks reflect that point in time, credentials are not continuously monitored, and no background check is performed. Florida Safe Home does not guarantee workmanship, pricing, performance or project outcomes.

Program access is limited by funding and by eligibility rules, so many Florida homeowners will need another path. Hurricane-hardening work can still be planned and phased privately, and a wind mitigation inspection obtained outside the program can still document features for insurance purposes.

Useful next reading: Florida Hurricane Home Protection Guide and Florida Wind Mitigation Improvements.

Florida Safe Home is separate from the program. If you have decided what work you want done — whether or not you are pursuing a grant — we can help you take the next step toward finding a Florida contractor for that work. Florida Safe Home is free for homeowners. Participating contractors pay Florida Safe Home a referral fee when a referred opportunity results in a qualifying closed project.

Project reading: Impact Windows & Doors and Roofing.

Continue to qualifying improvements