Florida's My Safe Florida Home (MSFH) program provides eligible homeowners with a free hurricane mitigation inspection and a matching grant of up to $10,000 for qualified upgrades — impact windows, impact doors, hurricane shutters, roof-to-wall connections, roof deck attachments, and secondary water resistance. The state contributes $2 for every $1 the homeowner spends, up to $10,000 in state funds. To qualify, your home must be a single-family primary residence built before 2008, insured at $700,000 or less, and meet income eligibility (typically $150,000–$200,000 household income depending on county and household size). Both Lee and Collier County are fully eligible, and with $352 million funded for the current cycle, the program is actively processing applications.
It won't fix the insurance market, but it can put real money toward upgrades that actually move your premium — impact windows, hurricane straps, roof deck fasteners — starting with something completely free: a professional wind mitigation inspection.
What the program covers — and how the math works
This is a 2-to-1 matching grant, capped at $10,000 in state funds: spend $5,000 on qualifying upgrades and the state adds $10,000 for $15,000 total; spend $3,000 and the state adds $6,000 for $9,000 total. Beyond $15,000 in total upgrade cost, the state still maxes out at $10,000 — the rest is out of pocket. Income thresholds are higher than most assume, typically $150,000–$200,000 depending on county and household size — check the calculator at mysafeflhome.com before ruling yourself out.
Four categories of improvements are funded: opening protection (impact windows, doors, garage doors, or code-compliant shutters — often the largest premium reduction), secondary water resistance (peel-and-stick underlayment under shingles), roof-to-wall attachment upgrades (hurricane clips or straps, often missing on homes built before the 2002 post-Andrew code changes), and roof deck attachment upgrades. You don't have to do all four — many homeowners focus on opening protection first and use the grant to offset impact windows they were planning anyway.
The free inspection — worth it even if you don't apply for the grant
Before applying, a state-approved inspector performs a wind mitigation inspection at no cost. Even without pursuing the grant, this inspection has real value: the resulting OIR-B1-1802 form is what your insurer uses to calculate your windstorm discount. Without it, your insurer assumes no mitigation features and you pay full rate; with it, a credentialed report can reduce windstorm premiums by 20–45% depending on what your home has. See our full 4-point and wind mitigation guide for how these inspections work.
If you own a home in Southwest Florida without a current wind mitigation inspection on file, this program is a way to get one at zero cost.
Who qualifies: the full checklist
- Property type: Single-family, site-built home; townhomes may qualify, condos do not under this program
- Occupancy: Primary residence only — second homes, rentals, and investment properties are ineligible
- Construction date: Built before 2008
- Insured value: $700,000 or below
- Income: Low-to-moderate household income, varies by county and household size
- Location: Florida; Lee and Collier County are both fully eligible
A separate My Safe Florida Condo Pilot exists for condo associations pursuing building-wide mitigation — applications go through the Florida CFO's office, though associations with overdue Milestone Inspections or SIRS filings may be ineligible until current.
How to apply in 2026
- Visit mysafeflhome.com and create an account
- Complete the eligibility questionnaire, which routes you into one of four priority groups based on income and age
- Schedule your free wind mitigation inspection (about an hour, state-approved inspector)
- Receive your inspection report documenting current condition and recommended upgrades
- Get contractor bids from the program's contractor directory
- Submit your grant application — once approved and work is completed, the state reimburses at the 2:1 match
Funding processes four priority groups in sequence — low-income homeowners 60+ first, then low-income under 60, moderate-income 60+, then moderate-income under 60. If demand exceeds funds before your group is reached, you're waitlisted for the next cycle. Florida lawmakers reappropriated an additional $405 million in unused funds for 2026–2027, but this remains first-come, first-served with limited annual capacity — applying sooner protects your funding position.
What this means for your insurance premiums
Homeowners in Bonita Springs and Estero who've upgraded to full opening protection (impact windows throughout) often see windstorm premiums drop 25–40%. On an annual premium running $4,000–$8,000+, that's real money — and the upgrades improve insurability, not just affordability, which matters both now and for buyers when you eventually sell. See our homeowner's insurance guide for the fuller picture.