How Florida Homeowners Can Tap Into the My Safe Florida Home Grant Program in 2025

Florida’s hurricane seasons are getting stronger, and preparation is key. Through the My Safe Florida Home (MSFH) program, eligible homeowners can receive a free wind-mitigation inspection and access up to $10,000 in matching grants to make critical improvements that protect their homes and lower insurance premiums.

At ALIGN Real Estate, we love helping Florida homeowners stay informed, protected, and empowered. From market trends to home improvement opportunities, we’re here to keep you in the know, and this month, we’re spotlighting a state program that could help you strengthen your home and save on insurance.

Here’s how Florida homeowners can take advantage of this valuable program in 2025.

Why Fortify Your Home

Florida’s tropical climate brings high winds, flying debris, and unpredictable weather. By strengthening your roof, upgrading windows and doors, and reinforcing your structure, you can reduce storm damage and qualify for hurricane insurance discounts. The MSFH program helps you do both.

What the My Safe Florida Home Program Offers

Free Wind-Mitigation Inspection

Every applicant begins with a free, state-authorized inspection by a licensed Florida wind-mitigation inspector. You’ll receive a detailed report that identifies vulnerabilities and recommends upgrades tailored to your property.

Your report not only shows you how to strengthen your home, it can also help confirm you’re receiving all available wind-mitigation credits from your insurer.

Grants Up to $10,000 for Home Improvements

If your home qualifies, you may apply for a matching grant covering up to two-thirds of approved improvement costs, up to $10,000.

Eligible improvements include:
• Roof-to-wall connections and deck attachments
• Installation of a secondary water barrier
• Replacement of exterior doors, windows, and garage doors with impact-rated products

For homeowners who qualify as low-income, the state may cover 100% of approved project costs up to $10,000.

Insurance Savings

Once your improvements are complete, submit your inspection report and documentation to your insurer. Florida law requires insurance companies to offer discounts for homes with verified wind-mitigation features.

Who Qualifies

To be eligible, homeowners must:
• Own a site-built, single-family, detached home
• Use the home as their primary residence with a homestead exemption
• Have an insured dwelling value of $700,000 or less
• Have a home built before January 1, 2008
• Complete the free inspection before beginning any improvement work

Condos and mobile homes are not eligible under this program, though a separate pilot initiative for condominiums is underway.

Step-by-Step: How to Apply

1. Visit MySafeFLHome.com and create your homeowner account

2. Complete the Prioritization Questionnaire to determine your eligibility group

3. Wait for placement into an Inspection Group (1 to 5) and receive email confirmation

4. Submit your Inspection Application once your group is assigned

5. Prepare for your free wind-mitigation inspection and confirm your appointment

6. Review your inspection report and recommended improvements

7. If eligible, submit your grant application

8. Hire a licensed, registered Florida contractor

9. Once verified and complete, request your reimbursement

Pro Tip: Get at least three contractor quotes for comparison, and ensure they’re registered with the MSFH program.

Additional Support from Approved Contractors

Looking for help getting started? Approved contractors like 3MG Roofing & Solar are here to make the process easier.

Schedule your free roof inspection here and get expert help from 3MG Roofing & Solar, an approved MSFH contractor.

Watch this short video to see how the My Safe Florida Home Program helps Florida homeowners strengthen their properties and save. 3MG Roofing & Solar, an official program partner, is ready to guide you from inspection to completion.

Frequently Asked Questions

Can I apply if I live in a condo or townhouse?

Townhomes may qualify for “Opening Protection” grants. Condos must apply through the My Safe Florida Condo program.

Is the program available statewide?

Yes, though scheduling may vary depending on demand in your area.

Do I need to pay upfront?

Yes. The program reimburses you after completion and verification. Low-income homeowners may qualify for full funding upfront.

Can I begin work before applying?

No. Only work started after grant approval and completed by registered contractors is eligible for reimbursement.

Make Your Florida Home Safer and Smarter

Florida’s weather may be unpredictable, but your home protection strategy doesn’t have to be.

The My Safe Florida Home program gives homeowners a powerful opportunity to improve safety, lower insurance costs, and gain long-term peace of mind — all with support from the state. Whether you're upgrading windows, reinforcing your roof, or just starting with a free inspection, taking action now can make a real difference.

Start today at MySafeFLHome.com to schedule your inspection and take the first step toward a stronger, safer home. ALIGN Real Estate is here to help you stay prepared, informed, and confident — season after season.