What is the difference between Matching Grants and Low-Income Grants?

There are two types of Hurricane Mitigation Grants: 1) Matching Grants and 2) Low-Income Grants.

Matching Grants

The My Safe FL Home Matching Grant operates on a reimbursement basis. At the end of the process, the Homeowner will request a reimbursement by submitting a Draw Request. A paid-in-full invoice must be included in the Draw Request. If the Draw Request is approved, the Homeowner will be reimbursed for up to 2/3 of the total cost of the Mitigation Project up to a maximum contribution of $10,000, subject to legislative appropriation and available funds. 

Low-Income Grant

The My Safe FL Home Low-Income Grant offers payment directly to the Homeowner to cover actual costs of Recommended Improvements completed by the Contractor. Low-Income Homeowners are not required to provide a matching amount and do not have to pay any money upfront for the work. During the Draw Request process, this means that a paid-in-full invoice is not required to be submitted. If the Draw Request is approved, Homeowners will receive a check for the actual cost of mitigation work up to the maximum grant allowance of $10,000, subject to legislative appropriation and available funds. 

Additionally, during the Draw Request process, Homeowners will be asked to provide evidence that the Final Inspection Report was submitted to their insurance company to request any applicable discounts. If a Low-Income Homeowner had a Grant approved before August 4, 2025, and do not have homeowner's insurance, they may submit a written statement that says they do not have insurance. If a Low-Income Homeowner had a Grant approved after August 4, 2025, they must provide documentation of an email, letter or updated declaration page that lists the discounts received (if any) after review of the Final Inspection Report.