Strengthen Your Home with Florida’s Hurricane Loss Mitigation Program

Protect your home and reduce insurance premiums with the My Safe Florida Home Program. Eligible homeowners can receive up to $10,000 in matching grants for improvements like impact-resistant doors and windows. For every $1 you invest, the state contributes $2 toward qualifying upgrades. Enhance your home’s safety and potentially lower insurance costs today.​

To learn more and determine your eligibility, visit the My Safe Florida Home Program website.

Key Benefits:

  • Financial Assistance: Receive up to $10,000 in matching grants for approved home-strengthening improvements.​
  • Increased Safety: Fortify your home against hurricanes with impact-resistant doors and windows
  • Insurance Savings: Potentially lower your home insurance premiums by participating in the program.​

*As of May 3, 2025: The proposed bills were indefinitely postponed, and the legislative session concluded without passing new funding measures. The bill will be revisited in March 2026, but there’s no guarantee there will be funding for it.

Program Overview

  • Grant Amount: Eligible homeowners can receive up to $10,000 in matching funds.
  • Matching Structure: For every $1 you spend, the state contributes $2, covering up to two-thirds of the project cost. For instance, a $15,000 project would require a $5,000 homeowner contribution, with the state providing $10,000. 
  • Eligible Improvements: The grant covers enhancements such as:
  • Impact-resistant windows and doors

Garage doors

Roof-to-wall attachments

Secondary water barriers

Roof deck attachments

Eligibility Criteria

To qualify for the grant, homeowners must:

  • Own a site-built, single-family home or townhouse in Florida.
  • Use the property as their primary residence.
  • Possess a homestead exemption.
  • Ensure the home’s insured value does not exceed $700,000.
  • Undergo a free wind mitigation inspection through the program.

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statewideimpactwindows.com

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Application Process

  1. Schedule a Free Inspection: Register at mysafeflhome.com to arrange a no-cost wind mitigation inspection.
  2. Review Inspection Report: The report will highlight recommended improvements to enhance your home’s hurricane resilience.
  3. Apply for the Grant: If eligible, submit an application detailing the proposed improvements and associated costs.
  4. Complete the Work: Hire licensed contractors to perform the approved upgrades.
  5. Reimbursement: After project completion and verification, receive reimbursement for the state’s portion of the costs.

mysafefloridahomeprogram.org

statewideimpactwindows.com

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Important Considerations

  • Program Status: As of January 2025, the program’s funds have been exhausted due to high demand. However, the Florida Legislature is considering allocating additional funds. It’s advisable to monitor the official website for updates. 
  • Insurance Premium Reduction: Upgrades made through the program can potentially lower your home insurance premiums by up to 50%. 
  • Existing Protections: If your home already has compliant hurricane shutters, you may not be eligible for grants to replace them with impact windows.

Frequently Asked Questions

My Safe Florida Home Program was established in 2022 and is part of Florida’s rebate for hurricane windows and other impact-resistant upgrades. Homeowners apply for free hurricane mitigation inspections and follow through with the recommendations to fortify their homes against storms. It offers eligible homeowners a grant for up to $10,000 and can potentially lower their home insurance premiums.

Homeowners who own a site-built, single-family residence or townhouse are eligible to apply for a free hurricane mitigation inspection.

To be eligible for this Florida grant for windows, you must:

  • Prove that they have a homestead exemption
  • Prove that their home is insured for up to $500,000. However, beginning July 1, 2025, this amount will be extended to $700,000
  • Have a home in a windborne debris region in Florida, but this will no longer be a requirement beginning July 1, 2025.
  • Have a building permit issued before January 1, 2008
  • Have your home reinspected following the completion of the recommended upgrades

The first step in the Florida new window program begins by applying for a free wind mitigation inspection on the My Safe Florida Home website. The inspector will compile a report indicating what hurricane-resistant features currently exist and recommend improvements. Homeowners can then submit the report to the state and apply for the grant.

Generally, homeowners can expect to receive the grant within 30 to 60 days after their application has been approved. However, your check can arrive in as little as 5 to 10 business days following approval.

Under this Florida window replacement program, you can receive a grant of up to $10,000 for your hurricane mitigation upgrades. The program offers $2 in grant funding for every $1 you put towards your hurricane mitigation upgrades. So a homeowner who spends $5,000 on impact windows can stand to receive a $10,000 grant.

Yes. Roof replacement can be covered under the program as long as it is recommended by the hurricane mitigation inspection. Upgrades to the roof coverings, improving the strength of roof deck attachments, reinforcing roof-to-wall connections, and installing a secondary water barrier for the roof are covered under the program.

Yes. According to the Florida Building Code, all doors and windows in windborne debris regions must be impact-resistant.

No. Money awarded from this Florida window replacement grant is not considered taxable income and therefore not taxable.

The final inspection ensures that the work completed matches the hurricane mitigation upgrades that were recommended in the initial inspection. It also makes sure everything is completed properly, making you eligible for the grant.

The invoice cover sheet details the completed eligible improvements. You can access the form from the My Safe Florida Home website. You’ll need to provide contact details and check (✔) which of the listed improvements you have completed and the costs. The authorized contractor who completed the upgrades will need to sign a section of the sheet. Once you have filled in the required details, you can submit it for review and approval.