My Safe Florida Home Eligibility Guide

The program starts with a free wind mitigation inspection. Qualifying for that inspection is one question. Qualifying for grant funding afterwards is a second question, and it depends in part on what the inspection report recommends for your specific home.

It is entirely possible to receive an inspection and then find that grant funding does not follow — for example if no eligible improvements are recommended, if requirements are not met, or if funding for the program cycle is exhausted.

Official support material describes the initial inspection as being for a single-family home on its own parcel that is either detached, or attached and not exceeding three stories, and that is site-built and owner-occupied. It also describes a homestead exemption on the home under chapter 196, Florida Statutes, as a condition, with the program using county property appraiser data to check homestead status and property use code.

The same material lists property types that are not eligible for a free inspection:

• Retirement homes.
• Mobile homes and manufactured homes.
• Second homes, vacation homes and rental properties.

If you are unsure how your property is classified, your county property appraiser or tax collector can tell you your homestead status and use code.

Beyond the property itself, participation runs through the official applicant portal. Homeowners create an account, complete a prioritization questionnaire, and later submit an inspection application confirming home details, contact information and scheduling availability. Information submitted in the questionnaire — including age and household income details — is used by the program for prioritization.

Applications and supporting information are reviewed by the program, not by any private company. Florida Safe Home cannot submit, check or influence an application.

The 2025-26 program terms describe two grant types. A matching grant reimburses the homeowner for two-thirds of the total mitigation project cost, up to a maximum state contribution of $10,000, subject to legislative appropriations. A low-income grant does not require the homeowner to provide matching funds, up to the same $10,000 maximum state contribution.

Low-income classification is defined by reference to state law — broadly, household income not exceeding 80 percent of the applicable median. Those definitions, thresholds and caps belong to the program and can change between program years.

Grant funding is also tied to the inspection: only improvements recommended in the initial inspection report may be funded. See which improvement categories may qualify.

Access is not first-come, first-served in a simple sense. The 2025-26 program terms describe prioritization groups based on age and household income, used to determine when an application becomes available to a homeowner. Homeowners are placed into an inspection group and notified when their window opens.

Because prioritization, funding and windows are program-cycle specific, treat any description of them — including this one, reviewed on September 11, 2026 — as a snapshot and verify current eligibility through the official program.

• Read the current Homeowner's Guide and program terms on the official resources page.
• Confirm your homestead status and property use code with your county property appraiser.
• Create an account in the official applicant portal and complete the prioritization questionnaire.
• Use the program's own support channels for questions about your case.

Nothing on this page is a determination. Whether you may qualify is subject to current program requirements, and only the program can decide.

Next: how program inspections work or return to the program guide.