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My Safe Florida Home Program

Checked against official sources · Last reviewed October 13, 2026

What the program does

The Legislature created My Safe Florida Home in state law (s. 215.5586, Florida Statutes) and re-established it in a 2022 special session, according to the program. The Department of Financial Services runs it, and it depends on yearly funding from the Legislature. The law says the program "does not create an entitlement." DFS may accept applications only up to the money available.

It has two parts:

1. A free wind mitigation inspection. A licensed inspector the program assigns checks your home's hurricane-resistant features. The inspector recommends improvements, gives cost estimates for them, and estimates the insurance discounts you might get. You can't use your own inspector. You can share the report with your insurer to check that you're getting the wind discounts Florida law requires. See our wind mitigation inspection guide.
2. A grant to help pay for the improvements the inspection recommends.

This site is not My Safe Florida Home and is not affiliated with DFS. Apply only through the official website, mysafeflhome.com. [1][2][3]

Who can get the free inspection

Under the 2026 statute, you qualify for an inspection if all of these are true:

• The home is a single-family home on its own parcel. It can be detached, or attached (like a townhouse) and no more than three stories.
• The home is site-built and you live in it.
• You have a homestead exemption on the home.

The program's pages say these are not eligible: apartments, duplexes and triplexes, condos, co-ops, retirement homes, mobile and manufactured homes, and second homes, vacation homes or rentals. Condo associations have a separate My Safe Florida Condo pilot program.

You can get an inspection without applying for a grant. In general you get one inspection per home. You can reapply after 24 months if you haven't received a grant payment for the earlier inspection, or in a few other cases, such as an application denied for errors. [1][2][5]

Who can get a grant

To get a grant, Florida law says all of these must be true:

• You qualify for the inspection, and you had the program's inspection within the 24 months before you apply.
• The home's insured value is $700,000 or less.
• The home was built before Jan. 1, 2008, as shown on your county property appraiser's website. The program's 2025-26 page words this as the building permit application for the home's original construction being made before Jan. 1, 2008.
• You are a low-income or moderate-income person under state law.
• You agree to a final inspection when the work is done, and you agree to share what discounts your insurer gives you.

The program defines low-income as household income at or below 80% of the median income for your county. Moderate-income is below 120%.

Applications are reviewed in this order:

1. Low-income homeowners age 60 or older
2. Other low-income homeowners
3. Moderate-income homeowners age 60 or older
4. Other moderate-income homeowners
5. Everyone else (inspection only)

The law opens each group 15 days after the one before it. Applications can start no earlier than the date a new legislative appropriation takes effect. [2][5]

How much the grant pays

• Matching grant: The state pays $2 for every $1 you pay, up to $10,000 from the state. The program's examples: a $9,000 job gets $6,000 back. A $15,000 job gets the full $10,000 (you pay $5,000). A $20,000 job also gets $10,000 (you pay $10,000). Payment is a reimbursement after the work is done, and you need a paid-in-full invoice.
• Low-income grant: up to $10,000 with no match and no paid-in-full invoice required.

The grant can pay for four kinds of improvements, and only if your initial inspection report recommends them:

1. Opening protection: impact-rated windows, exterior doors, garage doors and skylights
2. Roof-to-wall connections (clips or straps)
3. Roof deck attachment (nailing)
4. Secondary water resistance (a sealed underlayment), including replacing the roof covering

Don't start work before you get your grant approval notice. The program says starting early disqualifies you from reimbursement. After approval you have 18 months to finish the work and request the final inspection. Otherwise the application is treated as abandoned. [1][2]

How to apply

The program's website lists these steps:

1. Create an account on the participant portal. Look for a verification email from Neighborly Software, the portal the program uses.
2. Complete the Prioritization Questionnaire.
3. Wait to be placed in an inspection group (Groups 1-5). You'll get an email.
4. Complete the inspection application with your home details and when you're available.
5. Have the free inspection. A program-assigned inspector will contact you to schedule.
6. Review your inspection report in the portal.
7. Apply for a grant, if you're eligible. You'll need the name and state license number of your contractor and the declarations page of your current homeowners policy, and you sign a statement under penalty of perjury.

When the work is done and permits are closed, request your one final inspection in the portal. Send the final report to your insurer to ask for discounts. Then submit the draw request with the invoice, proof of payment (not needed for low-income grants) and proof of your insurance discount. The program mails a check.

The program suggests using a computer with Google Chrome for the portal. Questions: the program's support center calls (850) 427-2559 the MSFH Call Center, and that number is on every page of the site: (850) 427-2559. The program's FAQ lists a different call center number, (561) 640-6734. You can also email info@mysafeflhome.com. [1][2][3][4]

Choosing a contractor

You choose and manage your own contractor. The program says it no longer keeps a list of approved contractors. Your contractor must be a Florida-licensed general, building, residential, specialty or roofing contractor. Verify the license at MyFloridaLicense.com before you enter it in the portal. All work needs the required local permits and inspections.

Disputes about the work are between you and the contractor. The program says DFS provides no warranty on contractors' work. It recommends getting bids from at least three licensed contractors. We don't recommend or rank contractors. [1][2][3]

Funding and status (checked Oct. 13, 2026)

We checked the program's own pages on Oct. 13, 2026:

• The home page (last updated Sept. 16, 2026) says "Create Your Account to Start Your Application TODAY." It says free wind mitigation inspections and $10,000 grants are available.
• The program's support center answers "Is funding currently available?" with: "The My Safe Florida Home Program is now accepting applications!" You create an account, complete the Prioritization Questionnaire, and are then placed in an inspection group or a grant group.
• The current FAQ (updated May 2026) says applications open in phases by priority group and tells you to check MySafeFLHome.com for dates.
• An older FAQ page on the same site, last updated in July 2024, still says "The MSFH Program has paused new inspection applications." That page describes an earlier funding round. The newer pages above say applications are open.

The program depends on yearly funding from the Legislature, and DFS can approve applications only up to the money available. The Legislature amended the program in 2026. The current statute lets attached single-family homes up to three stories qualify, and it limits grants to low- and moderate-income homeowners. Two 2026 laws made the same changes in identical words. One says its changes expire July 1, 2027. The other has no expiration date, and the Legislature said the version without one takes precedence. Check the official site before you plan a project around a grant. [1][2][3][4][6]

After the upgrades: get your discount

Florida law requires insurers to give discounts or credits for features that reduce windstorm losses, such as roof-to-wall strength and opening protection. The program tells you to send your final inspection report to your insurance company and ask about discounts. Discounts apply to the hurricane portion of your premium. Ask your agent or insurer what your upgrades will save. For other Florida options if you've been dropped, see Homeowners Insurance in Florida and Citizens. [1][3][7]

Questions people ask