Short answer: My Safe Florida Home is a state program run by the Florida Department of Financial Services. It offers eligible homeowners a free wind mitigation inspection and a grant of up to $10,000 toward hurricane hardening, including roof-deck attachment, secondary water resistance and roof-to-wall connections. Funding opens and closes in cycles, so check mysafeflhome.com for whether applications are open today.
How the grant works
- Apply at mysafeflhome.com and get a free wind mitigation inspection from a program inspector.
- Get your report. It lists the improvements the program will help pay for.
- Apply for the grant and wait for written approval.
- Hire a contractor and complete the approved work with permits.
- Final inspection, then the grant is paid.
Income tiers in the 2025–2026 cycle
The program reopened on August 4, 2025 with rules that favor lower- and moderate-income homeowners, with seniors 60 and older given priority windows.
| Household income | Grant | Your share |
|---|---|---|
| Low income: at or below 80% of county median | Up to $10,000 | No match required |
| Moderate income: 80% to 120% of county median | Up to $10,000 | State pays $2 for every $1 you pay |
For a moderate-income homeowner, a $15,000 project where you pay $5,000 could unlock the full $10,000. Rules and tiers are set by the Legislature and can change between cycles.
Home requirements
- You live in the home and it has a homestead exemption.
- It is a site-built, single-family home (manufactured homes do not qualify).
- The building permit for the home was applied for before January 1, 2008.
- The home is insured, with an insured value of $700,000 or less. Low-income applicants are exempt from the value cap.
Roof work the grant can cover
- Roof-deck attachment: re-nailing the deck to current standards.
- Secondary water resistance: a sealed layer under the roof covering.
- Roof-to-wall connections: clips or straps tying trusses to walls.
The grant also covers opening protection such as impact windows, doors and garage doors. A roof replacement is often the easiest time to do the roof items, since the covering is already off. Ask your roofer to price the grant items as separate lines so they match the program’s paperwork.
Is it worth waiting for?
If you qualify and funding is open, usually yes. If your insurer has given you a short deadline, or funding is closed, compare the grant timeline against the cost of losing coverage. Price the roof first so you know the numbers.
See what your roof will cost
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Frequently asked questions
How much is the My Safe Florida Home grant?
Up to $10,000 per home. Low-income homeowners (at or below 80% of county median income) can receive it with no match. Moderate-income homeowners get $2 from the state for every $1 they spend, up to $10,000.
Does My Safe Florida Home pay for a whole new roof?
The grant pays for specific hardening items: roof-deck attachment, secondary water resistance and roof-to-wall connections, plus opening protection. Those are often done during a reroof, but the grant is capped and tied to the approved items.
Can I start my roof before the grant is approved?
No. Starting work before written grant approval can disqualify the project. Wait for approval, then schedule the work.
Is My Safe Florida Home open right now?
Funding comes in cycles set by the Florida Legislature and has run out before. Check mysafeflhome.com for the current status.