What Is the My Safe Florida Home Program?
The My Safe Florida Home (MSFH) program is administered by the Florida Department of Financial Services. It was created by the Florida Legislature to help homeowners harden their homes against hurricane damage, reducing claims costs and enabling private insurers to remain in the state's market.
The program provides matching grants of up to $10,000 for qualifying wind mitigation improvements. “Matching” means the homeowner contributes a dollar-for-dollar co-payment: a $10,000 grant requires a $10,000 homeowner contribution (project total of $20,000). For homeowners at or below 80% of Area Median Income, a 2:1 match is available—the state contributes $2 for every $1 the homeowner spends.
Beyond the grant itself, qualifying upgrades typically generate significant homeowner's insurance premium reductions through the wind mitigation discount on your policy—often 20–40% off your wind premium component.
Grant Amounts & Matching Requirements
Eligibility Requirements
- Primary residence in Florida (homestead exemption required)
- Homeowner's insurance policy must be in force at time of application
- Home must have been built before 2008 in most counties
- Dwelling must be single-family or duplex (owner-occupied)
- Income limit: at most 120% of Area Median Income (AMI) for standard grants; 80% AMI for enhanced grants
- Property must be insured by a Florida-authorized insurer
How to Apply: Step-by-Step
Check Eligibility Online
Visit mysafefloridahome.com and complete the pre-eligibility questionnaire. The portal opens on a rolling basis—funding is limited, so apply early in each funding cycle.
Schedule a Free Wind Mitigation Inspection
A state-approved inspector visits your home to document existing wind mitigation features. This inspection is free through the MSFH program. GreenFL can coordinate with approved inspectors.
Receive Your Inspection Report
The inspector submits the report to the MSFH portal. You'll receive a document listing approved upgrades and the estimated grant amount you qualify for.
Select a Licensed Contractor
Choose a Florida-licensed roofing contractor from the approved MSFH contractor list. GreenFL is registered with the program. The contractor submits a scope of work and cost estimate.
Grant Approval & Work Authorization
The MSFH program reviews your application and contractor quote. Upon approval, you receive a work authorization. Work cannot begin before this is issued.
Roofing Upgrades Completed
Your licensed contractor completes the approved work. A final inspection verifies completion. GreenFL provides all required documentation for grant disbursement.
Grant Disbursement
Upon final inspection approval, the grant is disbursed directly to the contractor or as reimbursement depending on the funding round. The process typically takes 60–120 days.
Approved Roofing Upgrades Under MSFH
Upgraded fastening of roof deck to trusses/rafters; clips or ring-shank nails
Self-adhering modified bitumen applied to deck before primary roofing material
Replacement with high-wind-rated shingles, metal panels, or tile meeting FBC requirements
Hurricane straps, clips, or wraps connecting trusses/rafters to wall-top plates
Impact-resistant windows, doors, and garage doors
Ready to Apply for My Safe Florida Home?
Our team guides you through every step at no additional cost. Funding is limited—act early.