The state's My Safe Florida Home (MSFH) program is one of the best deals in Florida homeownership: a free wind-mitigation inspection plus a matching grant of up to $10,000 to strengthen your home against hurricanes. And the upgrades it funds can lower your premium too.
What the grant covers
First you get a free wind-mit inspection. Then the state offers a two-for-one matching grant — $2 for every $1 you spend, up to $10,000 — for approved hardening like impact-rated windows and doors, reinforced garage doors, and roof-to-wall and roof-covering improvements.
Why it's worth it twice
Those same improvements earn wind mitigation credits that lower your premium for years. So the grant can pay for upgrades that also cut your insurance cost — protection and savings from one program.
How to apply (and why to hurry)
Apply at mysafeflhome.com: get the free inspection, then submit for the matching grant. Funding is substantial for 2026 but awarded first-come, first-served and it runs out each cycle, so apply early.
The catch
It's aimed at homestead, site-built single-family homes, and eligibility rules and caps shift each funding cycle — confirm the current terms on the state site. Once your upgrades are done, that's the moment to re-shop your policy so the new credits actually show up in your rate.
Frequently asked questions
Is My Safe Florida Home still funded in 2026?
Yes. The Legislature reappropriated hundreds of millions of dollars for the program, but grants are first-come, first-served, so funding can run out within a cycle.
How much can I get?
Up to $10,000, matched two-to-one — the state pays $2 for every $1 you spend on approved hardening — plus a free wind-mitigation inspection.
Will it lower my insurance?
The hardening it funds (impact openings, roof improvements) earns wind-mitigation credits, which reduce your premium. Re-shop after the work is done to capture them.
Turn those grant upgrades into a lower premium
We'll re-shop your home with the new wind-mit credits across 150+ carriers, free.
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