My Safe Florida Home (MSFH) is a statewide Florida program — not specific to Fort Myers or Lee County — that offers eligible homeowners a free wind-mitigation inspection and a matching grant of up to $10,000 toward hardening improvements, including impact windows and doors.
How it’s funded right now. The program received $352M+ in funding for the 2025-2026 cycle, and Florida lawmakers reappropriated over $405M in the Memorial Day 2026 state budget, largely aimed at clearing a backlog of roughly 45,000 homeowners statewide who completed an inspection in a prior cycle but hadn’t yet received their grant. Funding cycles and eligibility rules do shift from year to year, so treat the specifics below as a starting point, not a guarantee — always confirm current status on the official My Safe Florida Home site.
Who tends to qualify, in broad terms:
- An active Florida homestead exemption on the property
- A building permit originally issued before January 1, 2008
- An insured value of $700,000 or less
- Household income at or below 120% of the county median
Under the program’s current (HB 811) rules, priority and eligibility are limited to low- and moderate-income homeowners. Low-income applicants can receive up to $10,000 with no matching requirement; moderate-income applicants get a 2:1 match (put in $5,000, receive $10,000 toward the project). Homeowners aged 60 and older are generally placed at the front of the queue.
How it interacts with an impact window project. The free wind-mitigation inspection that comes with the program is the same type of assessment used for Florida’s insurance wind-mitigation credit form — so even if a homeowner doesn’t end up receiving grant funds in a given cycle (funding is limited and can run out), the inspection itself is useful information for planning an impact window project and understanding potential insurance savings.
What to do next. Because MSFH eligibility and funding availability change between cycles, the most reliable path is to ask a licensed local contractor to help you check current eligibility as part of your quote — many contractors who work in Lee County are familiar with the application process and can tell you whether it makes sense to apply before or after committing to a project.
Get matched with a local contractor who can walk you through it →
Sources: My Safe Florida Home — official program site, Florida legislature 2026 budget coverage, propertyexemption.com.