It's NOT a scam: Florida will pay you $10,000 to hurricane-proof your home.

Ana Teran
Aug 5
2 min read

Prepare your home and your wallet for hurricane season!

Florida has just relaunched the My Safe Florida Home program with $280 million in funding. Starting August 4, 2025, eligible homeowners can apply for a free wind mitigation inspection, plus a grant of up to $10,000 to help strengthen your home. These upgrades, such as impact‑resistant windows, storm‑rated doors, and reinforced roofs, can qualify you for significant insurance premium discounts.

How it works:

Request a free inspection to assess your home’s wind resilience.
Submit a grant application for recommended improvements.
Receive up to $10K in support (low-income homeowners may qualify for full funding).

Priority applies to:

Low‑income homeowners (ages 60+ first, then all low‑income)
Moderate‑income homeowners (ages 60+ first, then all moderate‑income)
Application windows are staggered August – September 2025.

Act fast! Funds are expected to run out quickly. Visit MySafeFLHome.com to get started.

Strengthen your home. Save on insurance.

We can guide you through the discounts you qualify for.

Get a FREE Quote

Florida Insurance Developments August 2025

Here’s an updated snapshot of what's happening in Florida’s insurance landscape:

Homeowners Insurance

Trusted Resource Underwriters (TRUE)

The Florida Office of Insurance Regulation approved a 31.5% average rate increase for TRUE’s multiperil homeowners policies, impacting over 20,000 customers starting mid‑2025. That means an extra $1,300+ per year for many policyholders.
Experts attribute the hike to legacy issues such as mispricing and poor geographic risk spread.

Citizens Property Insurance

Citizens also received approval for up to 14% premium increases, although primary homeowners may face lower-rate hikes.

Market Trends & Reforms

Central Florida homeowners have seen ~40% increase in property insurance rates since 2022.
Legislative reforms like SB 2‑A have helped reduce lawsuit volume and penalties, while encouraging new insurers to enter Florida. This has led to stabilizing market conditions.

New Entrants

Florida regulators approved two new insurers to write residential policies this summer, boosting competition. Others, like Manatee Exchange and Trident Reciprocal, are also on board for 2025.

Auto Insurance

Despite declines, Florida remains one of the costliest states—auto premiums are projected to average ~$3,800/year, ranking 3rd highest nationally.
It is recommended to compare auto rates now. Many insurers are offering discounts in mid‑2025.

📌 Bonus Tips

Hurricane claims must be filed within one year of landfall—the official deadline is approaching for coverage on past storm damage
A new flood-risk design tool from the University of Florida helps homeowners pick construction materials that minimize flood damage and can lower insurance rates. news.ufl.edu