My Safe Florida Home Program The Complete 2026 Guide
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What Is the My Safe
Florida Home Program?
What's New
for 2026
Insured value cap raised to $700,000. Previously capped at $500,000, the eligibility threshold for your home's insured value (Coverage A on your policy) was raised in 2024 and carries into the current cycle. Low-income applicants are exempt from this cap entirely.
Townhouses now explicitly eligible, in addition to single-family detached homes, for both the inspection and opening-protection grants.
New money is moving. Florida's FY2026-27 budget, signed by Governor DeSantis on June 29, 2026, reappropriated more than $405 million toward the program's inspection backlog (an estimated 45,000 homeowners were inspected but never funded from earlier cycles) and proposed over $600 million for the program going forward.
A separate tax break stacks with this program. A three-year sales tax exemption on impact-rated windows and doors was included in the same 2026 budget deal. It applies whether or not you're using the MSFH grant, and can be combined with it.
Eligibility is currently narrower on income. The current cycle limits grant funding to low- and moderate-income households (at or below 120% of county median income). Higher-income homeowners can still get the free inspection in some cases, but are not currently eligible for grant funds.
Do You Qualify?
Eligibility has two tiers: a broader set of requirements for the free inspection, and a stricter set for the grant itself. In general, to qualify for grant funding your home should meet all of the following:
Free in-home estimate at your Bonita Springs property, with a written quote naming the manufacturer and product.
Single-family detached, or a qualifying townhouse (up to 3 stories)
Original building permit issued before January 1, 2008
Insured value (Coverage A) of $700,000 or less — waived for low-income applicants
Active homeowners insurance policy
Household income at or below 120% of your county's median income
Condos, mobile/manufactured homes, and rental or non-homestead properties are not eligible for the main program. A separate My Safe Florida Condo Pilot exists for condo associations, with its own funding and match structure.
What the Grant
Pays For
Opening Protection
impact-rated windows, impact-rated entry doors, impact-rated garage doors, and code-compliant hurricane shutters. This is where 360 iMPACT comes in.
Roof-to-wall connection reinforcement
Roof deck attachment strengthening
Secondary water resistance (roof underlayment)
How Much Can You Get
MSFH funds five categories of hurricane-mitigation improvement, and only the ones your inspection report specifically recommends are eligible — you can’t simply choose your own upgrades. 360 iMPACT installs the opening protection category:
$1,500 homeowner spend → $3,000 state match → $4,500 total project
$2,500 homeowner spend → $5,000 state match → $7,500 total project
$5,000 homeowner spend → $10,000 state match (cap) → $15,000 total project
Low-income households qualify for the full $10,000 grant with no matching contribution required at all.
The Application Process, Step by Step
01
Create a free account on the MSFH Applicant Portal and complete the initial application.
02
Get scheduled for your free wind mitigation inspection, performed by a program-assigned inspector.
03
Complete the age-and-income questionnaire within 24 hours of your inspection report posting to the portal — miss this window and you lose your place in the current funding cycle.
04
You're assigned to a priority group based on your age and income; wait for the email notifying you that your group's application window has opened.
05
Submit your two-stage grant application. Stage two requires your chosen contractor's name and Florida license number, so have that ready.
06
Wait for the official grant approval email before doing anything else. Do not sign a contract, order materials, or pay a deposit before approval — work that starts early is disqualified from reimbursement.
07
Once approved, your contractor completes the specific improvements recommended in your inspection report.
08
A final inspection confirms the completed work matches the recommendations.
09
Submit your Draw Request with paid invoices and documentation through the portal to receive your reimbursement.
Choosing the Right Contractor for Your MSFH Project
Insurance Savings Beyond the Grant
Common Mistakes That Cost Homeowners Their Grant
Starting work before approval.
The single most common disqualifying mistake. Wait for the explicit approval email.
Missing the 24-hour questionnaire window
after the inspection report posts.
Assuming any upgrade qualifies.
Only the specific improvements your inspection report recommends are eligible — you can't substitute a different upgrade.
Using an unlicensed or unverified contractor.
Verify at myfloridalicense.com before signing anything.
