My Safe Florida Home pays $2 for every $1 you spend hardening your roof — up to $10,000.

How the matching grant actually works

My Safe Florida Home (MSFH) is a matching grant: the state contributes $2 for every $1 you spend on qualifying hurricane-hardening work, up to a $10,000 state contribution. To get the full $10,000, your project needs to cost at least $15,000 total — you pay $5,000, the state pays $10,000. Low-income homeowners (at or below 80% of county median income) get the full $10,000 with no matching requirement at all.

This is a reimbursement program, not money up front: you pay your contractor, then submit the paid invoice for reimbursement. Getting written grant approval before any work begins is critical — starting early disqualifies the entire project.

What it covers

• Roof-to-wall connection reinforcement
• Roof-deck attachment strengthening
• Secondary water barrier installation
• Opening protection (impact windows, hurricane shutters)
• Exterior doors, including garage doors

A free wind mitigation inspection comes first and determines which of these your home actually needs — you don't choose the scope yourself.

Who qualifies

• Homestead exemption on the property
• Insured home value of $700,000 or less (this cap is waived for low-income applicants)
• Building permit issued before January 1, 2008
• Active homeowners insurance through Citizens or a private carrier writing policies in Florida
• Property taxes current

Funding status

The 2025–2026 cycle reopened August 4, 2025 with $352 million statewide and has limited funding remaining as of mid-2026. A budget deal reached Memorial Day weekend 2026 reappropriates more than $405 million across My Safe Florida Home and the My Safe Florida Condo Pilot combined for 2026–2027, much of it earmarked for a backlog of roughly 45,000 homeowners who already completed their inspection and are waiting on funding. Check current balance and application status directly at mysafeflhome.com before planning a project timeline around it.

How to apply

• mysafeflhome.com — official program site; create an account and request your free wind mitigation inspection here first.
• Applicant Portal login — track inspection status, submit your grant application, and request reimbursement once approved.

Sources

• Florida Department of Financial Services — program administrator; current status at mysafeflhome.com.
• Florida Statute 215.5586 — the underlying law establishing the program.
• 2026–27 Florida budget (signed June 2026) — the $405M+ reappropriation figure.

Last reviewed: August 28, 2026