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Florida · Homeowner guide

My Safe Florida Home: how the grant works

A roofer's guide to Florida's My Safe Florida Home program in 2026 — the free inspection, the $10,000 grant cap and match, who qualifies, and what roof work counts.

By the Metro Builders team · Updated October 2026

My Safe Florida Home (MSFH) is the state program that pays part of the cost of hardening a home against hurricanes. In June 2026 the Legislature put more than $400 million back into the program to work through a backlog of inspected homes still waiting on grants.

The two steps

  1. Free wind-mitigation inspection. A program inspector documents your home on the state's 1802 form and recommends upgrades that qualify.
  2. Matching grant. If you're approved, the state contributes up to $10,000 toward eligible work. Low-income applicants pay no match; others pay $1 for every $2 the state provides.

Who qualifies

  • A single-family, owner-occupied home in Florida with a homestead exemption.
  • Mobile and manufactured homes aren't eligible; condo units go through a separate condo pilot.
  • Income tiers are tied to county area median income, with applicants 60 and older prioritized within each tier.
  • The program has used a home-value cap that the Legislature adjusts — check the current figure before you apply.

Roof work that can count

  • Re-roofing that improves deck attachment and adds a sealed roof deck (secondary water resistance).
  • Roof-to-wall connections — upgrading to clips, single wraps or double wraps.
  • Opening protection: impact windows and doors, rated garage doors and shutters.

Don't sign anything before you're approved

The program has a specific order — inspection, approval, then work by a contractor who meets program requirements. Work done before approval generally isn't reimbursed. Apply and check status at mysafeflhome.com, which is the authority on current funding and rules.

Status above reflects program reporting as of mid-2026. Funding windows open and close; verify before you plan around a grant.

Common questions

How much can I get?

Up to $10,000 from the state toward eligible improvements, with a 1-for-2 homeowner match unless you qualify as low-income.

Is the inspection really free?

Yes — the MSFH wind-mitigation inspection is free to eligible homeowners.

This guide is general information from a licensed contractor, not legal or insurance advice. Rules change — check the official source linked above before you rely on it.