Florida faces hurricanes, floods, and windstorms, but counters these threats with strong building codes and resilience programs, such as My Safe Florida Home. The state offers free wind inspections, grants for home hardening, and insurance discounts to reduce disaster impacts and protect residents.

Grant Programs

Mitigation grant programs provide homeowners with funds to enhance their homes' resilience against storms and other natural hazards, such as wildfires and floods.

  • My Safe Florida Home - Homeowners may be eligible to apply for a Matching grant, where for every $1 provided, the state will provide $2 toward the actual cost of an authorized mitigation project (or two-thirds of the project cost, up to $10,000). Property owners may qualify for NO state sales tax (6%) on retail purchases of impact-resistant doors, impact-resistant garage doors, and impact-resistant windows from July 1, 2022, through June 30, 2024.
  • Hurricane Loss Mitigation Program - The Hurricane Loss Mitigation Retrofit Grant funds retrofits, inspections, and the construction or modification of building components designed to increase a structure's ability to withstand flooding and hurricane-force winds for residential, commercial, and mobile home properties. FORTIFIED Home™ features will qualify.

Mitigation Insurance and Tax Incentives

Property owners, residents, and businesses can receive insurance discounts and tax breaks to build stronger to better withstand damage from natural hazards.

  • Mandatory Windstorm Discounts: Required insurer discounts for windstorm resilience measures. FORTIFIED Home™ features will qualify. More Details.
  • Florida Wind Insurance Savings Calculator - Calculate insurance savings based on home features, planned upgrades, or added mitigation measures. More Details.
  • Florida Property Assessed Clean Energy (PACE) - Provides financing for up to 100% of the costs for resiliency efforts made to residential or commercial property. Property owners repay the financing for the PACE improvements through a special assessment, which is added to their property tax bill over an agreed-upon term. FORTIFIED Home™ features will qualify. More Details.
  • Elevate Florida Program: Expedited funding for homeowner hurricane resilience projects. More Details.
  • FHLB Atlanta Affordable Housing Program (AHP): The Federal Home Loan Bank of Atlanta's Affordable Housing Program supports affordable housing projects through competitive grants, granting extra scoring points for FORTIFIED construction to strengthen storm resilience in housing developments. More Details.

Continuing Education

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"Really appreciated this class. Very rarely have I been in a CE class that actually teaches me something USEFUL for my team to offer to customers. Appreciate it!" -Oklahoma Insurance Agent

Funding Options to Help Rebuild or Re-Roof

Funding to Help Rebuild or Re-Roof

These federal and mortgage-backed programs may provide financing for disaster recovery, home repairs, energy upgrades, and rehabilitation, supporting homeowners, renters, and small businesses, particularly for those with low incomes or who are affected by disasters.

Small Business Administration Loans - Those affected by a disaster can rebuild stronger by increasing their SBA disaster assistance loan up to 20% of the verified physical damage to make mitigation improvements. There is no cost to apply, and you are under no obligation to accept a loan if approved.

  • Generally, borrowers have two years after loan approval to request an increase for higher rebuilding costs, code-required upgrades, or mitigation.
  • Call (800) 659-2955 and ask about increasing your loan for mitigation purposes, or visit sba.gov/disaster for more information.

Fannie Mae HomeStyle Renovation Loans - A mortgage that provides a simple and flexible way for borrowers to renovate or make home repairs with a conventional first mortgage, rather than a second mortgage, home equity line of credit, or other more costly methods of financing.​

Fannie Mae HomeStyle Energy Loans - A mortgage that helps lenders offer financing for homeowners to increase home energy efficiency and reduce utility costs.

  • Both HomeStyle Renovation and HomeStyle Energy mortgages may be combined with a HomeReady® mortgage so that low-income borrowers can take advantage of flexible features and additional savings.

USDA- Single Family Housing Repair Loans & Grants - A loan program providing loans to very-low-income homeowners to repair, improve, or modernize their homes. Grants are also available for very-low-income elderly homeowners to remove health and safety hazards.

HUD 203(k) Loans - A loan program for rehabilitating and repairing single-family properties, allowing homebuyers and homeowners to finance both the purchase or refinancing of a house and the cost of its rehabilitation through a single mortgage, or to finance the rehabilitation of their existing home.

  • The 203(k) program permits homebuyers and homeowners to finance up to $35,000 into their mortgage to repair, improve, or upgrade their homes.

HUD Mortgage Insurance for Disaster Victims - 203 (h) - Loan program for renters or homeowners if their homes are located in an area designated by the President as a disaster area and were destroyed or damaged to such an extent that reconstruction or replacement is necessary. These loans may be used to finance the purchase or reconstruction of a one-family home that will be the homeowner's principal residence.

  • The borrower must submit their application to an FHA-approved lending institution within one year of the President's disaster declaration.

Resilience Policy and Legislation

Legislation and regulation are tools used to encourage and incentivize building to higher standards, thereby reducing losses and costs for property owners and residents.

  • FL 2025 HB 13 (Windstorm Coverage by Citizens Property Insurance Corporation) Requires Citizens Property Insurance Corporation to offer windstorm coverage to all residential and commercial lines residential structures, improving insurance access for hurricane-prone areas; withdrawn prior to introduction but reflects ongoing 2025 priorities (pending reintroduction). More Details
  • FL 2024 CS/CS/CS/HB 267 (Building Regulations) Modifies Florida Building Code provisions to simplify permitting for replacement windows, doors, and garage doors meeting wind resistance standards, while imposing deadlines and penalties for local governments to expedite approvals and enhance hurricane resilience. More Details
  • FL 2024 CS/CS/CS/SB 684 (Residential Building Permits) Amends the Florida Building Code to eliminate sealed drawings for certain residential replacements installed per manufacturer instructions, streamlines permit timeframes, and allows fee reductions for delays to facilitate faster mitigation upgrades. More Details
  • FL 2024 HB 1029 (My Safe Florida Condominium Pilot Program) Establishes a pilot program under the Department of Financial Services to provide hurricane mitigation inspections and grants up to $175,000 per association for eligible coastal condominiums, mirroring the My Safe Florida Home Program. More Details
  • FL 2024 CS/CS/HB 1557 (Resilient Florida Program Amendments) Updates the Resilient Florida Program under Section 380.093, F.S., to expand eligibility for planning and implementation grants addressing sea level rise, flooding, and storm impacts on coastal and inland areas. More Details
  • FL 2023 SB 250 (My Safe Florida Home Program) Provides appropriations and expands the My Safe Florida Home Program for free wind mitigation inspections and matching grants up to $10,000 for hurricane-resistant upgrades like roofs and impact windows in high-risk areas. More Details

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