Grants directory
Florida wildfire home hardening grants & rebates
Every live program we track for Florida homeowners — statewide, county, and local incentives, plus nationwide programs you can also use. Create a free account to see full eligibility details and get matched to your exact address.
Browse all statesStatewide programs
Available to homeowners across Florida.
- GrantOpen
Home Resiliency Funding Options / My Safe Florida Home
Florida Department of Financial Services
$2 in grant funds for every $1 the homeowner spends, up to $10,000.
Palm Beach County links homeowners to My Safe Florida Home, which provides free home inspections and matching grants for hurricane-loss reduction work. The county page says the match is $2 for every $1 the homeowner provides, up to $10,000.
View program - GrantOpen
My Safe Florida Home
Florida Department of Financial Services
$2 in grant funds for every $1 the homeowner spends, up to $10,000.
Florida’s My Safe Florida Home program offers free home inspections and matching grants to help homeowners reduce hurricane damage. The page says the grant matches $2 for every $1 the homeowner spends, up to $10,000.
View program - Tax creditOpen
Florida Home Hardening Sales Tax Exemption / Refund
Florida Department of Revenue
Sales tax exemption on qualifying home-hardening products, plus a refund path capped at $500 per homeowner.
Florida’s statewide home-hardening tax break lets homeowners buy qualifying hardening products without sales tax and also offers a refund path for eligible purchases, with a current refund cap of up to $500 per homeowner. The Department of Revenue says the current exemption window runs from July 1, 2026 through June 30, 2029.
View program - Tax deductionOpen
Home Hardening Sales Tax Exemption
Florida Department of Revenue
Sales tax exemption on qualifying products; refund capped at $500
Florida currently exempts qualifying home-hardening products from sales tax. The state says the exemption applies to approved impact-resistant doors, garage doors, and windows purchased during the current exemption window.
View program - Tax creditOpen
Home Hardening Products Sales Tax Refund
Florida Department of Revenue
Refund of sales tax paid, up to $500 once per property owner
Florida has a statewide sales-tax refund for qualifying home hardening products such as impact-resistant doors, garage doors, and windows. Homeowners can get a refund of sales tax paid, with a maximum refund of $500 per property owner.
View program - Insurance discountOpen
Florida-required hurricane loss mitigation premium discounts
Florida Office of Insurance Regulation / insurers licensed in Florida
Insurance premium discounts; no fixed statewide dollar amount is stated.
Florida requires insurers to offer premium discounts for eligible hurricane-loss mitigation features on the windstorm portion of homeowners coverage. The discount amount depends on the home’s documented wind-mitigation features and the insurer’s pricing form, not on a fixed state dollar amount.
View program - Insurance discountOpen
Mandatory hurricane loss mitigation insurance discounts
Florida Office of the Insurance Consumer Advocate / admitted insurers under Florida law
Insurer-specific premium discount or credit for qualifying wind mitigation features
Florida law requires admitted insurers to offer homeowners discounts or credits for approved hurricane mitigation features. Homeowners can save on the windstorm portion of their premium after a qualifying inspection.
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County programs
Programs limited to specific Florida counties.
Alachua County
- LoanStatus unknownIncome restricted
Alachua County SHIP Home Repair Program (Owner Occupied Rehabilitation)
Alachua County Housing and Strategic Development
The county’s SHIP home repair program helps very low- and low-income homeowners pay for critical code-related repairs, including roof work, through the local housing office. The official page does not state a maximum dollar amount.
View program - GrantStatus unknownIncome restricted
Alachua County Assessment Hardship Assistance Program
Alachua County Social Services
Waiver of solid waste, stormwater, and fire assessment fees; dollar value depends on the parcel.
The county waives solid waste, stormwater, and fire assessment fees for qualified low-income homeowners in Alachua County. It is a fee waiver, not a construction grant, so the help is indirect rather than for a specific retrofit project.
View program - GrantStatus unknownIncome restricted
Hurricane Loss Mitigation Program Grant
Alachua County (through Florida Division of Emergency Management funding)
Alachua County announced a Hurricane Loss Mitigation Program grant to help eligible single-family homeowners harden or retrofit homes against hurricane wind damage. The announcement says eligible improvements can include roofs, hurricane straps, hurricane-resistant windows and doors, and anchoring wall or floor units to the foundation, but it does not state a dollar amount.
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Bay County
- GrantOpenIncome restricted
Bay County Voluntary Home Buyout Program
Bay County Board of County Commissioners
County award total is $4,411,777; per-home award amount not stated on the public page.
Bay County is using federal disaster recovery money to buy out eligible hurricane-damaged homes in flood-prone areas and demolish the structures. The county says it awarded $4,411,777 for the program and will use the funds to acquire properties and demolish existing housing units.
View program - Cost shareOpen
Bay County Municipal Services Benefit Unit (MSBU) Program
Bay County Board of County Commissioners
Amount not stated; cost structure depends on the specific MSBU project.
Bay County’s MSBU program lets property owners in unincorporated areas pay for essential public health and safety improvements or services through a county-approved special assessment structure. The official page is general and does not name a specific hardening project, but it is a county program that can finance local infrastructure or service improvements.
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Brevard County
- GrantOpen
Elevate Florida (Brevard County allocation through HMGP)
Florida Division of Emergency Management
$8,153,983 allocated by the county to Elevate Florida for Brevard County residents
Brevard County’s FY 2025-2026 budget says it allocated $8,153,983 in Hazard Mitigation Grant Program money to Elevate Florida for Brevard County residents. The budget language says the goal is to make residences more resilient against natural hazards.
View program - GrantOpenIncome restricted
Replace, Rehab and Repair Program
Brevard County Housing and Human Services Department
Brevard County offers home repair help for eligible low- and moderate-income homeowners. The county says the program can help with repairs to keep homes safe and well-maintained, but the public page does not state a dollar cap.
View program - Free serviceOpen
Weatherization Program
Brevard County Housing and Human Services Department
Brevard County lists a weatherization program that helps residents improve energy efficiency and living conditions. The public page does not spell out the exact measures or whether homeowners pay anything.
View program - GrantStatus unknown
Disaster Repair/Mitigation/Direct Assistance
Brevard County Housing and Human Services Department
Brevard County says it may fund disaster repair and mitigation help for eligible homeowners when a disaster occurs, after a waiting list expires, or when funds are available. The public notice does not give an amount.
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Broward County
- LoanOpenIncome restricted
Minor Home Repair / Hurricane Hardening / Sewer Conversion
Broward County Housing and Urban Planning Division
Most areas: up to $60,000 forgivable loan at 0% interest; Margate: up to $40,000
Broward County’s Minor Home Repair/Hurricane Hardening program offers forgivable loans for hurricane-related repairs and other basic home repairs in listed Broward cities and unincorporated Broward. The flyer says most areas can receive up to $60,000, with Margate capped at $40,000.
View program - RebateOpen
Toilet Rebates for Multifamily Housing Units and Commercial Buildings
The Broward Water Partnership
$125 per toilet, up to 5 rebates by default; more may be approved case by case
The Broward Water Partnership offers toilet rebates to authorized property owners and property managers for multifamily housing, nonprofit agencies, commercial buildings, and institutional facilities. Eligible sites can receive up to five rebates, or request more on a case-by-case basis, at $125 per toilet.
View program - RebateOpen
Conservation Pay$ Rebate Program
Broward County Water and Wastewater Services
Up to $250 total for replacing up to 2 high-efficiency toilets
Broward County residents can receive up to $250 in rebates for replacing up to two toilets with high-efficiency models. This is a county water-conservation rebate, not a disaster hardening program.
View program - RebateOpen
Rebate Programs in Broward County – WaterSense Toilet Rebate Program
Broward County Water and Wastewater Services
$125 account credit per qualifying toilet
Broward County offers a $125 account credit for replacing an old toilet with a new WaterSense toilet. This is not a home-hardening program in the wildfire/disaster sense, but it is a current county homeowner incentive page.
View program - RebateOpen
WaterSense Toilet Rebate Program
Broward County Water and Wastewater Services
$125 account credit per qualifying toilet replacement
Broward County Water and Wastewater Services customers can get a $125 account credit for replacing an old toilet with a new WaterSense toilet. The program is a county rebate, not a disaster hardening grant.
View program - LoanOpenIncome restricted
Special Needs / Barrier Free Home Rehabilitation
Broward County Housing and Urban Planning Division
10-year deferred-payment forgivable loan; amount not stated on the main homeowner page
Broward County offers forgivable loans to eligible homeowners in its Special Needs/Barrier Free program for accessibility, health and safety repairs, and hurricane hardening. The county says the program is open county-wide and uses a 10-year deferred-payment forgivable loan.
View program - LoanOpenIncome restricted
Minor Home Repair
Broward County Housing and Urban Planning Division
10-year deferred-payment forgivable loan; dollar amount not stated on the page
Broward County offers a 10-year deferred-payment forgivable loan for minor home repairs and hurricane mitigation, including roof work, impact-resistant openings, and AC replacement for eligible homeowners in listed Broward communities.
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Charlotte County
- LoanOpenIncome restricted
Owner-Occupied Rehabilitation (SHIP)
Charlotte County Human Services Housing Division
Up to $78,750 as a zero-interest deferred loan
Charlotte County’s SHIP rehabilitation program helps eligible homeowners repair their homes and add hurricane mitigation or hardening features. The assistance is a zero-interest deferred loan, with a maximum award of $78,750 in the current county plan.
View program - GrantOpen
Disaster Recovery Assistance
Charlotte County Human Services
Amount not stated on the county housing page
Charlotte County says disaster recovery assistance is available for homeowners affected by Hurricanes Ian, Idalia, Helene, and Milton. The county does not publish a dollar cap on the main housing page.
View program - Free serviceOpen
Smoke Detector Assistance Program
Charlotte County Fire & EMS
Free smoke-detector assistance service
Charlotte County Fire & EMS provides free smoke-detector help for residents, including checking detectors, replacing batteries in qualifying alarms, and installing resident-provided detectors. The county does not list a cash amount because this is a service program.
View program - Free serviceOpen
Smoke Detector Assistance Program
Charlotte County Fire & EMS
Free smoke-detector assistance service
Charlotte County Fire & EMS provides free smoke-detector help for residents, including checking detectors, replacing batteries in qualifying alarms, and installing resident-provided detectors. The county does not list a cash amount because this is a service program.
View program - GrantOpen
Disaster Recovery Assistance
Charlotte County Human Services
Amount not stated on the county housing page
Charlotte County says disaster recovery assistance is available for homeowners affected by Hurricanes Ian, Idalia, Helene, and Milton. The county does not publish a dollar cap on the main housing page.
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Citrus County
- GrantOpenIncome restricted
Citrus County SHIP Emergency Repair
Citrus County
Citrus County’s SHIP plan includes an Emergency Repair program that gives county housing funds for urgent repairs to owner-occupied homes. The official plan does not state a dollar cap on the page I found.
View program - GrantOpenIncome restricted
Citrus County SHIP Disaster Assistance
Citrus County
Citrus County’s SHIP plan also includes a Disaster Assistance strategy for homeowners. The official county plan confirms the program exists, but the searchable excerpt does not show a dollar amount or detailed rules.
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Clay County
- GrantOpenIncome restricted
Clay County Home Repair Program (CDBG rehabilitation/home repair)
Clay County Board of County Commissioners
Up to $35,000.
Clay County uses federal Community Development Block Grant funds for a home repair program that helps qualified low- and moderate-income households fix serious housing problems. The county says awards are available up to $35,000.
View program - GrantOpenIncome restricted
Clay County SHIP Owner-Occupied Housing Rehabilitation
Clay County Board of County Commissioners
Up to $35,000 for qualified home repair/rehabilitation work.
Clay County’s SHIP program helps income-eligible homeowners repair and rehabilitate owner-occupied homes, with up to $35,000 available for qualified repairs. The county says repairs can include roof work, code fixes, flood-related damage, tree removal, and other health-and-safety repairs.
View program - Free serviceOpenIncome restricted
Weatherization Assistance Program
St Johns Housing Partnership
No-cost services; dollar amount not stated.
St Johns Housing Partnership offers a no-cost Weatherization Assistance Program for homeowners in St. Johns and Clay counties. It provides energy-efficiency improvements and related weatherization work for income-qualifying households.
View program - Free serviceOpenIncome restricted
Weatherization Assistance Program
St Johns Housing Partnership
No-cost services; dollar amount not stated.
St Johns Housing Partnership offers a no-cost Weatherization Assistance Program for homeowners in St. Johns and Clay counties. It provides energy-efficiency improvements and related weatherization work for income-qualifying households.
View program - Free serviceOpen
Clay County Fire Rescue Smoke Alarm Request
Clay County Fire Rescue
Free smoke alarms and installation.
Clay County Fire Rescue will provide and install smoke alarms at no cost to eligible residents who cannot afford them. The page says the service does not apply to rental properties or homes undergoing renovation.
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Escambia County
- Free serviceOpen
Escambia County Fire Rescue Smoke Alarm Program
Escambia County Fire Rescue
Free smoke alarm provision and installation.
Escambia County Fire Rescue provides and installs free smoke alarms for anyone who needs one. The service is available to Escambia County residents, with a separate contact number for City of Pensacola residents.
View program - LoanOpenIncome restricted
Escambia County Homeowner Repair Programs – Sewer Connection Assistance
Escambia County Neighborhood & Human Services / Neighborhood Enterprise Division
Two-year deferred-payment loan; no dollar cap stated.
Escambia County offers income-eligible homeowners a two-year deferred-payment loan for sewer connections and septic tank abatements. The loan is forgiven after two years if the owner has remained the primary resident.
View program - LoanOpenIncome restricted
Escambia County Homeowner Repair Programs – Sewer Connection Assistance
Escambia County Neighborhood & Human Services / Neighborhood Enterprise Division
Two-year deferred-payment loan; no dollar cap stated.
Escambia County offers income-eligible homeowners a two-year deferred-payment loan for sewer connections and septic tank abatements. The loan is forgiven after two years if the owner has remained the primary resident.
View program - Free serviceOpen
Escambia County Fire Rescue Smoke Alarm Program
Escambia County Fire Rescue
Free smoke alarm provision and installation.
Escambia County Fire Rescue provides and installs free smoke alarms for anyone who needs one. The service is available to Escambia County residents, with a separate contact number for City of Pensacola residents.
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Hernando County
- LoanOpenIncome restricted
Owner-Occupied Rehab Program
Hernando County Housing and Supportive Services Department
Forgivable loan; dollar amount not stated
Hernando County offers a forgivable loan to income-qualified homeowners to fix health and safety hazards, code violations, and some energy-efficiency issues in owner-occupied homes. The county says the program can also improve accessibility and is aimed at making homes safer and more livable.
View program - GrantOpen
Disaster Assistance Program
Hernando County Housing and Supportive Services Department
Disaster assistance; dollar amount not stated
Hernando County says its disaster strategy can pay for emergency supplies to weatherproof damaged homes, interim repairs, tree and debris removal to make a home habitable, well construction or repair, and insurance deductibles after a declared disaster.
View program - GrantOpen
County Disaster Assistance Program
Hernando County Housing & Supportive Services
Disaster assistance; dollar amount not stated
Hernando County offers financial assistance after Hurricanes Helene and Milton for emergency materials to weatherproof homes, interim repairs, tree or debris removal, well work, insurance deductibles, and temporary rental help. It is a disaster-response program rather than a permanent hardening rebate.
View program - Free serviceOpen
Flood Mitigation & Recovery guidance with FEMA mitigation help
Hernando County Emergency Management
Free mitigation guidance and referral service
Hernando County points homeowners to free FEMA mitigation help and building-back-stronger resources for flood and storm damage. The county page does not itself award cash, but it does provide a direct help line and recovery guidance.
View program - GrantStatus unknownIncome restricted
Hurricane Idalia Housing Repair Program
Hernando County Housing and Supportive Services Department
Reimbursement for deductibles and help with unmet repair needs; dollar amount not stated
Hernando County offered disaster recovery funding for homeowners who had damage from Hurricane Idalia. The page says the money could reimburse insurance deductibles and help pay for unmet repair needs, including roof replacements and roof repairs.
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Highlands County
- LoanStatus unknownIncome restricted
Highlands County SHIP Program – Emergency Repair
Highlands County Housing Division
0% interest loan; no dollar cap stated
Highlands County can pay for urgent home repairs when a homeowner’s house has a dire problem that needs to be fixed right away. The county says this SHIP strategy can also cover insurance deductibles for emergency repairs, and it is generally a zero-interest loan.
View program - LoanStatus unknownIncome restricted
Highlands County SHIP Program – Owner Occupied Rehabilitation
Highlands County Housing Division
0% interest loan; no dollar cap stated
Highlands County helps eligible homeowners repair and harden their primary homes through its SHIP rehabilitation program. The county says it can fund repairs for code, health, and safety issues, including roofing, soffit and fascia, windows, and other structural items; assistance is generally a zero-interest loan.
View program - GrantStatus unknown
Highlands County SHIP Program – Disaster Assistance
Highlands County Housing Division
Grant; no dollar cap stated
After a declared disaster, Highlands County says SHIP disaster assistance can help homeowners with emergency repairs, weatherproofing, tree and debris removal, and insurance deductibles. The county says this disaster assistance is awarded as a grant.
View program - LoanStatus unknownIncome restricted
Highlands County SHIP Program – Owner Occupied Rehabilitation
Highlands County Housing Division
0% interest loan; no dollar cap stated
Highlands County helps eligible homeowners repair and harden their primary homes through its SHIP rehabilitation program. The county says it can fund repairs for code, health, and safety issues, including roofing, soffit and fascia, windows, and other structural items; assistance is generally a zero-interest loan.
View program - LoanStatus unknownIncome restricted
Highlands County SHIP Program – Emergency Repair
Highlands County Housing Division
0% interest loan; no dollar cap stated
Highlands County can pay for urgent home repairs when a homeowner’s house has a dire problem that needs to be fixed right away. The county says this SHIP strategy can also cover insurance deductibles for emergency repairs, and it is generally a zero-interest loan.
View program - GrantStatus unknown
Highlands County SHIP Program – Disaster Assistance
Highlands County Housing Division
Grant; no dollar cap stated
After a declared disaster, Highlands County says SHIP disaster assistance can help homeowners with emergency repairs, weatherproofing, tree and debris removal, and insurance deductibles. The county says this disaster assistance is awarded as a grant.
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Lee County
- GrantOpenIncome restricted
Home Repair Assistance Program
Lee County Human & Veteran Services
Minimum assistance $1,000; maximum not stated on the public page.
Lee County offers grant assistance for eligible homeowners to make essential repairs to owner-occupied homes in unincorporated Lee County. The minimum assistance amount is $1,000, and covered repairs include roof, window, and door work that can improve storm and ember protection.
View program - GrantOpenIncome restricted
Hurricane Recovery Home Repair Program
Habitat for Humanity of Lee and Hendry Counties
Habitat for Humanity’s Hurricane Recovery Home Repair Program helps low-income Lee County homeowners with hurricane-related repairs. The county page says covered work can include roof repair or replacement, siding, drywall, painting, windows, and doors.
View program - GrantOpen
My Safe Florida Home Program
State of Florida
Free wind mitigation inspection; grant amount not stated on the page.
Florida’s My Safe Florida Home Program offers free wind mitigation home inspections for eligible owner-occupied single-family homes, and homes that qualify may also receive a wind mitigation grant. Lee County’s page says there is no income limit.
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Leon County
- GrantOpenIncome restricted
Leon County HFA Emergency Short-Term Housing Repair / Mobile Home & Short-Term Emergency Repair Program
Housing Finance Authority of Leon County
Grant for emergency short-term home repairs.
The Housing Finance Authority of Leon County offers grants for emergency short-term housing repairs, including repairs that address an immediate health hazard or a developing threat to the home. The official guidelines describe the money as a grant.
View program - LoanOpenIncome restricted
Leon County Emergency Housing Repair & Housing Resilience (SHIP)
Leon County Government, Division of Housing Services
Deferred-payment, forgivable, noninterest-bearing loan.
Leon County uses State Housing Initiatives Partnership funds to help eligible homeowners in unincorporated Leon County repair urgent housing problems and improve a home’s resilience for future disasters. Assistance is offered as a deferred-payment, forgivable, noninterest-bearing loan.
View program - LoanOpen
Leon County Home Replacement Program
Leon County Government, Division of Housing Services
Deferred-payment, forgivable, noninterest-bearing loan for demolition and reconstruction.
Leon County can help eligible homeowners in unincorporated Leon County demolish and rebuild a home when repairs would cost too much. Assistance is provided as a deferred-payment, forgivable, noninterest-bearing loan.
View program - LoanOpen
Leon County Home Rehabilitation / Emergency Home Repair Program
Leon County Government, Division of Housing Services
Deferred-payment, forgivable, noninterest-bearing loan; grants may be available for minimal temporary repairs.
Leon County helps eligible homeowners in the unincorporated county pay for emergency home repairs and rehabilitation, usually with a deferred-payment, forgivable, noninterest-bearing loan. Grants may be available for minimal, temporary repairs.
View program - LoanOpen
Leon County Home Rehabilitation / Emergency Home Repair Program
Leon County Government, Division of Housing Services
Deferred-payment, forgivable, noninterest-bearing loan; grants may be available for minimal temporary repairs.
Leon County helps eligible homeowners in the unincorporated county pay for emergency home repairs and rehabilitation, usually with a deferred-payment, forgivable, noninterest-bearing loan. Grants may be available for minimal, temporary repairs.
View program - LoanOpen
Leon County Home Replacement Program
Leon County Government, Division of Housing Services
Deferred-payment, forgivable, noninterest-bearing loan for demolition and reconstruction.
Leon County can help eligible homeowners in unincorporated Leon County demolish and rebuild a home when repairs would cost too much. Assistance is provided as a deferred-payment, forgivable, noninterest-bearing loan.
View program - LoanOpenIncome restricted
Leon County Emergency Housing Repair & Housing Resilience (SHIP)
Leon County Government, Division of Housing Services
Deferred-payment, forgivable, noninterest-bearing loan.
Leon County uses State Housing Initiatives Partnership funds to help eligible homeowners in unincorporated Leon County repair urgent housing problems and improve a home’s resilience for future disasters. Assistance is offered as a deferred-payment, forgivable, noninterest-bearing loan.
View program - GrantOpenIncome restricted
Leon County HFA Emergency Short-Term Housing Repair / Mobile Home & Short-Term Emergency Repair Program
Housing Finance Authority of Leon County
Grant for emergency short-term home repairs.
The Housing Finance Authority of Leon County offers grants for emergency short-term housing repairs, including repairs that address an immediate health hazard or a developing threat to the home. The official guidelines describe the money as a grant.
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Marion County
- LoanOpen
Marion County PACE Program
Florida PACE
Property-tax-based financing for qualifying upgrades; no dollar cap stated on the Marion County page.
Florida PACE offers Marion County homeowners property-tax-based financing for qualifying home improvements, including hurricane hardening, roofing, windows and doors, and home generators. It is financing rather than a grant, and the page says there is no upfront payment required.
View program - LoanWaitlistIncome restricted
Homeowner Rehabilitation Program
Marion County Community Services
Zero-interest deferred-payment loan; county says assistance is forgivable after 15 years. No dollar cap was stated on the official page.
Marion County offers income-qualified homeowners a zero-interest deferred-payment rehab loan to fix health, safety, and code issues, including roof replacements and other major home repairs. The program is currently on hold, so new applications are not being accepted right now.
View program - LoanWaitlistIncome restricted
Homeowner Rehabilitation Program
Marion County Community Services
Zero-interest deferred-payment loan; county says assistance is forgivable after 15 years. No dollar cap was stated on the official page.
Marion County offers income-qualified homeowners a zero-interest deferred-payment rehab loan to fix health, safety, and code issues, including roof replacements and other major home repairs. The program is currently on hold, so new applications are not being accepted right now.
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Martin County
- Free serviceOpen
Residential Readiness Program
Martin County Fire Rescue / Martin County Fire Prevention
Free smoke alarms, battery changes, and installation help at no cost
Martin County Fire Rescue offers residents free home fire-safety visits, including free smoke alarms or battery changes for people who need help. It is a no-cost county service focused on helping households improve fire readiness.
View program - GrantOpenIncome restricted
State Housing Initiative Partnership (SHIP) Program
Martin County Human Services
Amount not stated; county says assistance depends on available funding and strategy
Martin County administers SHIP funds for eligible residents, including home-repair assistance that can cover code fixes, health and safety hazards, and other home-hardening work. The county says applications are currently open for water and sewer hookup and move-in assistance, while repair assistance is subject to available funding.
View program - LoanOpen
Solar Energy Loan Fund (SELF)
Solar and Energy Loan Fund (SELF), contracted by Martin County
Low-interest, no-money-down loans
Martin County says it has contracted with SELF, a nonprofit lender, to provide low-cost financing and energy expertise for homeowners who may not qualify for PACE. The county describes the loans as low-interest and no-money-down.
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Miami-dade County
- LoanOpenIncome restricted
Paint and Hurricane Shutter Program
Miami-Dade County Community Action and Human Services Department
Miami-Dade County helps eligible owners of single-family detached homes pay for exterior painting and/or accordion hurricane shutters. If approved, the county places a forgivable lien on the home for 5 years for one service or 10 years for both.
View program - Free serviceOpen
Residential Shuttering Program
Miami-Dade County Community Action and Human Services Department
Free shutter installation assistance; no dollar amount stated
Miami-Dade County provides free hurricane shutter installation assistance to qualified elderly and disabled residents who already have county-issued shutters. The service is available during hurricane season and is only for installation, not new shutters.
View program - Free serviceOpenIncome restricted
Weatherization Assistance Program (WAP)
Miami-Dade County Community Action and Human Services Department
Free weatherization and home-hardening help; no dollar amount stated
Miami-Dade County’s Weatherization Assistance Program helps low-income homeowners make their homes energy efficient and weatherized, including hurricane-related hardening measures. The county says income-qualifying homeowners can get help with hardening or retrofitting their homes to protect against hurricanes.
View program - Free serviceClosedIncome restricted
Residential Construction Mitigation Program
Miami-Dade County Community Action and Human Services Department
Free structural inspection and retrofit assessment; no dollar amount stated
Miami-Dade County offers residential structural inspections for low-to-moderate-income households to identify retrofit measures that can strengthen a home against high winds. The county describes the program as helping determine what hardening work is needed to lessen storm damage.
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Orange County
- GrantOpen
Orange County Nonprofit Safety Grant for Crime Prevention and Public Safety Projects
Orange County Government
Reimbursement funding from $1,000 to $10,000.
Orange County offers reimbursement grants to approved nonprofits for safety and disaster-preparedness projects. The page mentions home safety improvements and disaster preparedness, but it is a nonprofit program rather than a direct homeowner hardening program.
View program - Free serviceOpenIncome restricted
Residential Environmental Initiatives / Pollution Prevention (P2) Assessment and home-repair assistance referrals
Orange County Environment Division
Free assessment; repair help amount not stated.
Orange County offers a free Pollution Prevention assessment and says some low-income homeowners may be eligible for help with home repairs that reduce energy costs or eliminate code violations. The page does not describe a wildfire-specific hardening grant, but it is a county homeowner assistance service.
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Palm Beach County
- GrantOpenIncome restricted
Low-Income Home Energy Assistance Program (LIHEAP)
PBC Community Services Department
Palm Beach County’s Community Services Department offers LIHEAP to help qualifying residents pay utility bills and replace old or broken A/C units. The page does not list a dollar cap.
View program - GrantOpenIncome restricted
Rental Assistance Program
Palm Beach County Community Services Department
Up to 12 months of rental assistance, plus up to 6 months of retroactive rental assistance.
Palm Beach County offers rental assistance to renters at risk of eviction, including up to 12 months of current rent and 6 months of retroactive assistance. The page says applicants must be at or below half of Area Median Income and show no resources to prevent eviction.
View program - GrantOpenIncome restricted
Housing Assistance Programs
Palm Beach County Department of Housing and Economic Development
Palm Beach County offers multiple housing assistance programs for income-eligible households, including rehabilitation, utility connection, emergency repairs, replacement housing, disaster assistance, and first home investment. Funding is subject to availability.
View program - LoanOpen
Property Assessed Clean Energy Program (PACE)
Palm Beach County
Palm Beach County’s PACE financing lets homeowners fund energy efficiency, renewable energy, and storm damage mitigation projects through a voluntary assessment on the property tax bill. The page does not state a dollar limit.
View program - GrantClosedIncome restricted
NOFA Emergency Repairs Program
Palm Beach County Department of Housing and Economic Development
Up to $75,000 for eligible emergency repairs and hurricane hardening.
Palm Beach County offers up to $75,000 for eligible low-income owner-occupants to fix urgent home problems, including hurricane hardening such as impact windows and doors. The program is for residents age 62+, veterans, and/or special needs applicants.
View program - GrantClosed
Neighborhood Engagement and Transformation (NEAT) Grants Program
Palm Beach County Office of Community Revitalization
County records show up to $10,000 for some home repair-related NEAT projects.
Palm Beach County’s NEAT grants fund neighborhood projects in eligible areas, including home repair projects run by groups like Rebuilding Together of the Palm Beaches. Official county records show awards of up to $10,000 for home repair-related projects.
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Pinellas County
- GrantOpenIncome restricted
People First Hurricane Recovery Programs – Homeowner Rehabilitation/Reconstruction Program
Pinellas County / Pinellas Recovers
Up to $375,000
Pinellas County’s People First program offers homeowners up to $375,000 to rehab, rebuild, or relocate storm-damaged homes. It is for eligible owner-occupants whose primary residence was damaged by Hurricanes Idalia, Helene, or Milton.
View program - LoanOpenIncome restricted
Home Repair Program
Pinellas County Board of County Commissioners
$10,000 minimum to $75,000 maximum loan, 0% interest; low-income loans are permanently deferred
Pinellas County offers eligible homeowners a 0% interest home repair loan for hurricane mitigation and code-related repairs, with up to $75,000 available. The program also provides help with scopes of work, contractor bids, and inspection/closing-related program costs.
View program - GrantOpenIncome restricted
People First Hurricane Recovery Programs – Homeowner Reimbursement Program
Pinellas County / Pinellas Recovers
Up to $50,000 reimbursement
Pinellas County offers up to $50,000 to reimburse homeowners for documented hurricane repairs they already completed. The money can cover repairs, demolition, or even reconstruction after Idalia, Helene, or Milton.
View program - GrantOpenIncome restricted
Homeowner Reimbursement Program
Pinellas County / Pinellas Recovers
Up to $50,000 reimbursement
Pinellas County offers up to $50,000 to reimburse eligible homeowners for documented hurricane repairs they already completed. The program can cover repairs, demolition, or reconstruction for damage from Hurricanes Idalia, Helene, or Milton.
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Santa Rosa County
- Insurance discountOpen
Floodplain Management Community Rating System discount support
Santa Rosa County Floodplain Management
5% to 40% flood insurance discount
Santa Rosa County’s floodplain office administers the Community Rating System, which can reduce flood insurance premiums. The county says CRS discounts range from 5% to 40% on flood insurance rates.
View program - GrantStatus unknownIncome restricted
Low-Income Owner-Occupied Home Rehabilitation Program
Santa Rosa County Housing Program
Santa Rosa County gives low-income owner-occupants financial help to repair homes that are unsafe or out of code. The county describes the program as emergency repair and rehabilitation assistance for eligible households.
View program - GrantStatus unknownIncome restricted
Flood Mitigation Assistance / Hardening Mitigation Grant Information
Santa Rosa County Grants Office
Limited funds; amount not stated
Santa Rosa County says low- and moderate-income residents can call for help repairing or hardening homes, and that limited Flood Mitigation Assistance funds are available for elevation projects. The page specifically mentions home elevation and, in rare cases, acquisition for repetitive-loss NFIP-insured homes.
View program
Sarasota County
- LoanOpen
Florida PACE Funding in Sarasota County
Florida PACE Funding Agency / Florida PACE
Financing with no upfront payment mentioned; no cap stated on the official Sarasota County page.
Florida PACE lets Sarasota County homeowners finance storm-hardening and other eligible upgrades through their property tax bill instead of paying upfront. The official Sarasota County page highlights hurricane hardening, roofing, windows and doors, and home generators.
View program - GrantOpenIncome restricted
Resilient SRQ Housing Recovery Program
Sarasota County Resilient SRQ
Countywide disaster recovery aid; no per-home maximum stated on the official news page.
Sarasota County is offering disaster recovery help to homeowners affected by Hurricanes Ian, Debby, Helene, and Milton. The program pays for home repair, reconstruction, or reimbursement of eligible out-of-pocket expenses, with funding aimed at low- to moderate-income households.
View program - GrantOpen
Helping Hands
Sarasota County Neighborhood Services
Non-matching grant; dollar amount not stated in the accessible official material.
Sarasota County offers a non-matching grant for neighborhood projects that help prevent code enforcement citations and support community pride. It is not a wildfire or hurricane hardening program, but it is a current county homeowner grant program.
View program - RebateClosed
Stormwater Environmental Utility Incentive Rebate Program
Sarasota County Stormwater Environmental Utility / NEST program coordinator
Up to $5,000 per project limit mentioned in the official materials; up to two projects per property.
Sarasota County gives homeowners rebates for approved stormwater and green infrastructure projects that help improve drainage and reduce stormwater impacts. The program can reimburse up to two projects per property and may also lower the annual stormwater assessment.
View program
Seminole County
- GrantOpen
Flood Mitigation Grants Program
Seminole County Office of Emergency Management
Typically 75% of approved project costs; demolition/reconstruction is capped at a $220,000 federal share per property.
Seminole County helps homeowners pursue FEMA flood mitigation grants for home elevation, demolition/reconstruction, or property acquisition and demolition/relocation. The typical federal share is 75% of eligible project costs, with a higher share possible for Repetitive Loss or Severe Repetitive Loss properties.
View program - LoanClosedIncome restricted
Homeowner Rehabilitation/Reconstruction Program
Seminole County Community Services Department, Community Development Division
Interest-free, deferred-payment loan; no dollar cap stated.
Seminole County offers an interest-free, deferred-payment loan for income-eligible homeowners who need more extensive repairs or even reconstruction to address health, safety, and structural issues. No dollar cap is stated on the page.
View program
St. Johns County
- GrantOpenIncome restricted
Home Repair / Rehabilitation Program (CDBG-funded)
St. Johns County
County budgeted $290,374 for the activity; homeowner award cap not stated.
St. Johns County’s CDBG home repair/rehabilitation activity funds emergency repair, spot repair, or full-house rehabilitation for very low to moderate income residents. The county’s action plan says it can serve about 8 households countywide.
View program - GrantOpenIncome restricted
State Housing Initiatives Partnership (SHIP) Disaster Mitigation/Recovery
St. Johns County Department of Housing and Community Development
Amount not stated on the official page.
St. Johns County’s SHIP program includes a disaster mitigation/recovery use that can fund homeowner housing help. The county’s official SHIP page identifies disaster mitigation/recovery as an eligible activity under the local SHIP plan.
View program - LoanOpenIncome restricted
State Housing Initiatives Partnership (SHIP) Rehabilitation Program
St. Johns County Department of Housing and Community Development
No maximum award amount stated; assistance is a 10-year no-interest loan with no monthly payments.
St. Johns County offers eligible homeowners a no-interest rehabilitation loan for essential repairs, code compliance, structural repairs, and safety upgrades. The loan has no monthly payments, lasts 10 years, and is recorded as a lien on the property.
View program - Free serviceOpenIncome restricted
Emergency Repair Program, providing Energy Conservation and Accessibility Retro-fits
St Johns Housing Partnership
Amount not stated on the official page.
St Johns Housing Partnership provides an Emergency Repair Program for low-income and elderly single-family homeowners needing assistance. The program delivers emergency home repairs and retrofits through staff, subcontractors, self-help, and volunteers.
View program - Free serviceOpenIncome restricted
Weatherization Assistance Program
St Johns Housing Partnership
No-cost services; dollar amount not stated.
St Johns Housing Partnership offers a no-cost Weatherization Assistance Program for homeowners in St. Johns and Clay counties. It provides energy-efficiency improvements and related weatherization work for income-qualifying households.
View program - Free serviceOpenIncome restricted
Weatherization Assistance Program
St Johns Housing Partnership
No-cost services; dollar amount not stated.
St Johns Housing Partnership offers a no-cost Weatherization Assistance Program for homeowners in St. Johns and Clay counties. It provides energy-efficiency improvements and related weatherization work for income-qualifying households.
View program - LoanOpenIncome restricted
State Housing Initiatives Partnership (SHIP) Rehabilitation Program
St. Johns County Department of Housing and Community Development
No maximum award amount stated; assistance is a 10-year no-interest loan with no monthly payments.
St. Johns County offers eligible homeowners a no-interest rehabilitation loan for essential repairs, code compliance, structural repairs, and safety upgrades. The loan has no monthly payments, lasts 10 years, and is recorded as a lien on the property.
View program - GrantOpenIncome restricted
State Housing Initiatives Partnership (SHIP) Disaster Mitigation/Recovery
St. Johns County Department of Housing and Community Development
Amount not stated on the official page.
St. Johns County’s SHIP program includes a disaster mitigation/recovery use that can fund homeowner housing help. The county’s official SHIP page identifies disaster mitigation/recovery as an eligible activity under the local SHIP plan.
View program - Free serviceOpenIncome restricted
Emergency Repair Program, providing Energy Conservation and Accessibility Retro-fits
St Johns Housing Partnership
Amount not stated on the official page.
St Johns Housing Partnership provides an Emergency Repair Program for low-income and elderly single-family homeowners needing assistance. The program delivers emergency home repairs and retrofits through staff, subcontractors, self-help, and volunteers.
View program - GrantOpenIncome restricted
State Housing Initiatives Partnership (SHIP)
St. Johns County Department of Housing and Community Development
Amount not stated on the official page; SHIP funding is locally set and may be provided as grants, deferred payment loans, or direct loans.
St. Johns County’s SHIP program is a local housing assistance program that can be used for disaster mitigation/recovery and other housing strategies. The page does not give a separate dollar amount for the disaster mitigation/recovery activity, but it does confirm SHIP funds may help with eligible housing improvements.
View program
St. Lucie County
- LoanOpen
Culvert Assistance Program
St. Lucie County Water Quality Division
Deferred-payment financing over 10 years; dollar amount not stated.
St. Lucie County offers deferred-payment financing to help homeowners replace failed driveway culverts under their driveways. The county says the cost is spread over 10 years through the yearly tax bill, helping reduce the upfront expense.
View program - GrantClosedIncome restricted
Housing Rehabilitation Assistance Program
St. Lucie County Housing Division
Amount not stated on the official page.
St. Lucie County offers income-eligible homeowners in unincorporated areas funding for repairs that fix code violations and health-and-safety hazards. The page says the program can cover home repairs such as roof work, heating/cooling, and septic-related repairs, but applications are currently closed after reaching the cap.
View program
Volusia County
- LoanOpenIncome restricted
Owner-Occupied Housing Rehabilitation Program
Volusia County Community Assistance Division
Up to $100,000 as a zero-interest 30-year deferred/forgivable or repayment loan
Volusia County offers income-eligible homeowners up to $100,000 as a zero-interest, 30-year deferred/forgivable or repayment loan for major home rehabilitation, including serious health and safety repairs and upgrades that make a home safe and habitable.
View program - LoanOpenIncome restricted
Wind Hazard Mitigation Program
Volusia County Community Assistance Division
Up to $20,000 as a zero-interest 5-year deferred/forgivable loan
Volusia County offers income-eligible homeowners up to $20,000 as a zero-interest, 5-year deferred/forgivable loan for wind-hardening improvements such as shutters, wind-rated garage doors, tie-downs, and impact-rated windows and doors.
View program - Free serviceOpen
Free Home Fire-Safety Evaluations
Volusia County Fire Services
Free home fire-safety evaluation
Volusia County Fire Services offers free home fire-safety evaluations for county residents as part of its fire-safety programs. The page does not give a checklist or application steps, but it clearly identifies the evaluation as free.
View program - Free serviceOpen
Free Home Fire-Safety Evaluations
Volusia County Fire Services
Free home fire-safety evaluation
Volusia County Fire Services offers free home fire-safety evaluations for county residents as part of its fire-safety programs. The page does not give a checklist or application steps, but it clearly identifies the evaluation as free.
View program
See which programs your home qualifies for
Create a free Cindera account to see full eligibility details, get programs matched to your exact address, and get grant application help.
Create accountCity & local programs
Programs limited to specific cities or zip codes in Florida.
- LoanOpenIncome restricted
Construction Loan Program
City of Tallahassee, Neighborhood Services
Up to $200,000 per project; below-prime interest; repayment due in 18 months, or 24 months for rehab projects, or 6 months after CO, whichever comes first.
The City offers short-term construction loans to private developers building affordable single-family homes in Tallahassee. The maximum loan is $200,000 per project, with below-prime interest and repayment due within 18 months, or 24 months for rehab projects.
View program - LoanOpenIncome restricted
Housing Rehabilitation Program
City of Fort Lauderdale Community Services Department
Up to $85,000 as a deferred, interest-free loan
Fort Lauderdale’s Housing Rehabilitation Program offers up to $85,000 for eligible repairs, including roofs, windows, air conditioning, plumbing, electrical, and accessibility improvements. The city says the aid is a deferred, interest-free loan secured by a lien.
View program - LoanOpenIncome restricted
Home Rehabilitation Program
City of Tallahassee, Neighborhood Services
Up to $75,000 forgivable zero-interest loan; forgiven after 10 years of continued occupancy.
The City offers up to $75,000 in a forgivable, zero-interest loan for major home rehabilitation, with priority for health and safety hazards. The loan is forgiven if the homeowner remains in the home for 10 years after repairs are complete.
View program - LoanOpen
City of Tallahassee Stormwater On-Site Mitigation Loan Program
City of Tallahassee Utilities
Loans up to $60,000; grants also available for income-based customers.
The City of Tallahassee offers low-interest loans, and some grants for income-based customers, to help owner-occupants make on-site improvements that prevent future interior flooding. The program does not pay for repair of existing flood damage.
View program - GrantOpenIncome restricted
Roof Replacement Program
City of Kissimmee Housing & Community Development Division
Up to $40,000, paid directly to the contractor.
Kissimmee has a roof replacement assistance program for qualifying households. The city says it can provide up to $40,000, paid directly to the contractor.
View program - LoanOpenIncome restricted
Emergency Repair Program
City of Fort Lauderdale Community Services Department
One-time award up to $20,000
Fort Lauderdale offers eligible very low- to moderate-income homeowners up to $20,000 for emergency-related repairs. The city says the money can be used for urgent items such as air conditioning and hot water heater replacement.
View program - GrantOpenIncome restricted
Home Accessibility Program
Center for Independent Living (Ability 1st)
Up to $15,000 for accessibility improvements.
The City offers up to $15,000 through local partners to remove architectural or structural barriers from the homes of disabled persons. Typical improvements include ramps, grab bars, wider doorways, and kitchen modifications.
View program - GrantOpen
Residential Property Improvement Program (RPIP) Grant
City of Kissimmee Community Redevelopment Agency
Up to $5,000 reimbursable, at a 50/50 match.
Kissimmee’s CRA offers reimbursable matching funds for residential facade improvements in the Downtown Kissimmee CRA and Vine Street CRA. The headline cap is up to $5,000, with a 50/50 match.
View program - GrantOpen
City of Tallahassee CRA Affordable Housing exterior-repairs program
City of Tallahassee Community Redevelopment Agency
Grant for exterior repairs; amount not stated in the excerpt.
The City’s Community Redevelopment Agency funds exterior-home repair grants for homes in its redevelopment areas. The official page says the grants pay only for exterior repairs that significantly improve or enhance a home’s exterior.
View program - LoanOpenIncome restricted
City of Tallahassee Home Repair Program
City of Tallahassee, Neighborhood Services
Repair assistance for low-income homeowners; amount not stated in the excerpt.
The City of Tallahassee has a home repair program for low-income homeowners to remove health and safety hazards and fix exterior code violations. The city says repair programs may also help homes comply with city code.
View program - LoanOpenIncome restricted
City of Tallahassee Home Repair Program
City of Tallahassee, Neighborhood Services
Repair assistance for low-income homeowners; amount not stated in the excerpt.
The City of Tallahassee has a home repair program for low-income homeowners to remove health and safety hazards and fix exterior code violations. The city says repair programs may also help homes comply with city code.
View program - GrantOpen
City of Tallahassee CRA Affordable Housing exterior-repairs program
City of Tallahassee Community Redevelopment Agency
Grant for exterior repairs; amount not stated in the excerpt.
The City’s Community Redevelopment Agency funds exterior-home repair grants for homes in its redevelopment areas. The official page says the grants pay only for exterior repairs that significantly improve or enhance a home’s exterior.
View program - GrantOpenIncome restricted
Owner-Occupied Rehabilitation Assistance
City of Kissimmee Housing & Community Development Division
Kissimmee offers grant funding to help eligible city residents repair owner-occupied homes for safe, sanitary living and code compliance. The city says this includes roof replacement and demolition/reconstruction in some cases, but the main page does not list a dollar cap.
View program - GrantOpen
Fort Walton Beach CRA Grant Program – Building Code Compliance Upgrade
City of Fort Walton Beach Community Redevelopment Agency
The City of Fort Walton Beach’s CRA grant portal includes a grant type for building code compliance upgrades. Homeowners in the city can apply online for qualifying projects, but the city’s page does not give a dollar maximum in the excerpt available here.
View program - Cost shareOpenIncome restricted
Inclusionary Housing
City of Tallahassee, Neighborhood Services
Down payment and closing cost assistance; no fixed amount stated.
The City of Tallahassee requires some new residential developments to set aside affordable units, and eligible buyers may receive down payment and closing cost assistance. The page says homeowners can build equity while homes remain affordable for a minimum period before selling at market rate.
View program - Cost shareOpenIncome restricted
New Home Infill Program
City of Tallahassee, Neighborhood Services
Incentives may be available; no amount stated.
The City’s New Home Infill Program supports new affordable home construction in Tallahassee and says incentives may be available for developers and homebuyers. It is designed to expand housing supply and create a path to homeownership for low- to moderate-income residents.
View program - GrantOpenIncome restricted
Down Payment Assistance
Tallahassee Lenders' Consortium
Amount determined based on need; no fixed cap stated.
The City offers down payment and closing cost assistance for low-income residents buying an affordable home, and the Tallahassee Lenders’ Consortium administers the program. The page says the amount is based on need.
View program - Cost shareOpenIncome restricted
Community Land Trust
City of Tallahassee, Neighborhood Services
Down payment assistance may be available; no fixed amount stated.
The City’s Community Land Trust program helps keep homes affordable by separating ownership of the land and the house. Eligible buyers can also receive down payment assistance.
View program - Cost shareOpen
Habitat City Build
City of Tallahassee, Neighborhood Services
Revolving fund support through a city-Habitat partnership; no homeowner award amount stated.
The City partners with Big Bend Habitat for Humanity to build affordable homes through a revolving fund supported by the State Community Contribution Tax Credit Program. The page says City employees and volunteers help build 2 to 3 homes each year.
View program - LoanStatus unknown
Purchase Assistance
City of Fort Lauderdale Community Services Department
Deferred payment loan; no dollar cap stated on the page
The City of Fort Lauderdale offers eligible first-time homebuyers a deferred payment loan for down payment, closing costs, and/or principal reduction when buying eligible housing within the city limits. The page does not state a dollar cap.
View program - LoanStatus unknownIncome restricted
City of Bradenton SHIP Program
City of Bradenton
Manatee County’s official resources say the City of Bradenton administers a separate SHIP program for homeowners. The county’s page does not provide the city’s program details, so the official Bradenton program page needs to be checked separately for current terms and availability.
View program - LoanStatus unknownIncome restricted
City of Palmetto SHIP / Housing Rehabilitation Program
City of Palmetto
Manatee County’s official SHIP materials say homes in the City of Palmetto are eligible for county SHIP rehabilitation and replacement funding, and the county also points residents to a separate Palmetto city housing program. The specific city program terms are not spelled out on the county page.
View program - GrantStatus unknown
City of Holmes Beach disaster-mitigation homeowner program
City of Holmes Beach
Manatee County’s Lasting Manatee recovery materials say the city of Holmes Beach is one of the county’s local municipalities participating in project review for the disaster-recovery program. The county page does not identify a separate Holmes Beach homeowner hardening incentive, so this needs city-level verification before treating it as a homeowner program.
View program - GrantStatus unknown
City of Anna Maria disaster-mitigation homeowner program
City of Anna Maria
Manatee County’s Lasting Manatee recovery materials say the City of Anna Maria is one of the county’s local municipalities participating in project review for the disaster-recovery program. The county page does not identify a separate Anna Maria homeowner hardening incentive, so this needs city-level verification before treating it as a homeowner program.
View program - GrantStatus unknown
City of Bradenton Beach disaster-mitigation homeowner program
City of Bradenton Beach
Manatee County’s Lasting Manatee recovery materials say the City of Bradenton Beach is one of the county’s local municipalities participating in project review for the disaster-recovery program. The county page does not identify a separate Bradenton Beach homeowner hardening incentive, so this needs city-level verification before treating it as a homeowner program.
View program - GrantStatus unknown
Town of Longboat Key disaster-mitigation homeowner program
Town of Longboat Key
Manatee County’s Lasting Manatee recovery materials say the Town of Longboat Key is one of the local municipalities participating in project review for the disaster-recovery program. The county page does not identify a separate Longboat Key homeowner hardening incentive, so this needs town-level verification before treating it as a homeowner program.
View program - GrantStatus unknown
Community Development Block Grant Program – Housing Rehabilitation / Disaster Repair activities
City of Fort Walton Beach
Fort Walton Beach administers a Community Development Block Grant program that can fund housing rehabilitation and disaster-related repairs. The city’s program page exists, but the specific homeowner hardening benefits and dollar amounts are not shown in the excerpt available here.
View program - GrantClosedIncome restricted
Homeowner Repair & Rehabilitation Assistance Program
City of Port St. Lucie Neighborhood Services Department
Up to $50,000, per the city’s 2025 notice.
The City of Port St. Lucie offers a homeowner repair and rehabilitation program for low- to moderate-income homeowners in the city. The city says it uses SHIP funds to help pay for critical home repairs, and the program status page says the 2026 pre-application list filled quickly and is now closed.
View program - GrantClosedIncome restricted
Homeowner Hurricane Assistance Program (HHA)
City of Tampa Housing and Community Development
Up to $30,000 per household
The City of Tampa is offering up to $30,000 per household for homeowners who still need hurricane repairs or want reimbursement for completed repairs after Hurricanes Helene or Milton. The program is closed to new applications, but existing applications are still being processed.
View program - LoanClosedIncome restricted
Home Repair/Resiliency Program
City of Tallahassee, Neighborhood Services
Up to $25,000 forgivable zero-interest loan; forgiven after 7 years of continued occupancy.
The City offers up to $25,000 in a forgivable, zero-interest loan to low-income homeowners for health and safety repairs, exterior code violations, and certain resiliency work. The loan is forgiven if the homeowner stays in the home for 7 years after repairs are complete.
View program - LoanClosedIncome restricted
City of Pensacola CRA Residential Resiliency Program (RRP)
City of Pensacola Community Redevelopment Agency
Up to $15,000 for some owner-occupied homes; $7,500 for some other eligible cases.
The City of Pensacola CRA offers a one-year forgivable loan for storm-damage repairs and securing at-risk homes against hurricanes and flooding. The guidelines list up to $15,000 for some owner-occupied homes and $7,500 for certain other cases.
View program - GrantClosed
Neighborhood Residential Façade Improvement Grant Program
City of Tallahassee Community Redevelopment Agency
Up to $10,000 per housing unit.
The City of Tallahassee CRA offers grants for exterior home repairs and improvements in the Greater Frenchtown/Southside Community Redevelopment Area. Funding can cover up to $10,000 per housing unit for eligible exterior work.
View program - LoanClosed
City of Pensacola CRA Residential Property Improvement Program (RPIP)
City of Pensacola Community Redevelopment Agency
Residential repair assistance; exact amount not stated on the main page.
The City of Pensacola CRA offers residential repair assistance in designated redevelopment areas for eligible home improvements. The page says the program is subject to funding availability and covers items like roofs, windows, doors, siding, and shutters.
View program - LoanClosedIncome restricted
City of Tallahassee Homeowner Repair, Rehabilitation and Reconstruction Program
City of Tallahassee, Housing Division
SHIP-funded repair, rehabilitation, or reconstruction assistance; amount not stated in the excerpt.
The City of Tallahassee uses SHIP funds to help eligible owner-occupants inside city limits repair, rehabilitate, or reconstruct homes with health and safety hazards. The city says the program is open to households under 80% of area median income, with priority for households under 50% or with a documented disability.
View program
Nationwide programs
Federal and national programs Florida homeowners can also use.
- LoanOpenIncome restricted
Home Repair Loans and Grants (Section 504 Home Repair Program)
USDA Rural Development / Rural Housing Service
Loans up to $40,000; grants up to $10,000 for eligible homeowners age 62+
USDA Rural Development helps very-low-income rural homeowners repair, improve, or modernize their homes with low-interest loans, and grants for eligible homeowners age 62+ to remove health and safety hazards. The program can provide up to $40,000 in loan funds and up to $10,000 in grant funds, subject to lifetime limits.
View program - GrantOpenIncome restricted
Single Family Housing Section 504 Home Repair Loans and Grants
U.S. Department of Agriculture Rural Development
Loans up to $40,000; grant portion available for some very-low-income seniors
USDA Rural Development’s Section 504 program offers low-interest loans and grants to very-low-income homeowners to repair, improve, or modernize homes and remove health and safety hazards. The loan amount can be up to $40,000.
View program - GrantOpenIncome restricted
Pennsylvania Disaster Recovery Assistance Program
Pennsylvania Emergency Management Agency
Up to $20,000 for home repairs; temporary housing and personal property assistance are also available
Pennsylvania offers disaster grants to homeowners and renters after certain disasters when other recovery funding is unavailable. The program can pay for home repairs up to $20,000, temporary housing, and replacement of certain personal items.
View program - LoanOpenIncome restricted
Single Family Housing Repair Loans & Grants
USDA Rural Development
Grant up to $15,000 for repairs to homes damaged in a presidentially declared disaster area; loan amount not stated on the page used here.
USDA Rural Development gives eligible rural homeowners low-interest repair loans and, for older very-low-income homeowners, grants to remove health and safety hazards, repair, improve, or modernize a home. Grants can also help repair homes damaged in a presidentially declared disaster, up to $15,000.
View program - RebateOpen
EnergizeCT Residential Insulation Incentive
EnergizeCT / Connecticut energy efficiency program sponsors
Up to $2.00/sq. ft. for professional installation, up to $10,000; $0.25/sq. ft. self-install; up to $2.50/sq. ft. for income-qualified or Environmental Justice Community customers
This utility rebate pays homeowners up to $2.00 per square foot for professionally installed insulation, with higher incentives for income-qualified customers. The program is current statewide, so it is available to homeowners in New London County too.
View program - Tax creditOpen
Sec. 25C Energy Efficient Home Improvement Tax Credit
Federal government
Up to 30% of eligible costs, with a $3,200 annual maximum.
Federal tax credit for homeowners who make eligible energy-efficiency upgrades, including audits, panel upgrades, heat pumps, heat pump water heaters, and weatherization. The page says the credit can be up to 30% of costs, with a $3,200 annual maximum.
View program - RebateOpen
Georgia Power Home Energy Improvement Program
Georgia Power
Up to 50% back, with a maximum of $1,250 for the Home Comfort Bundle; individual measures include up to $150 for a home energy assessment, $200 for attic/ceiling insulation, $300 for air sealing, and $400 for duct sealing.
Georgia Power offers rebates on qualifying home efficiency upgrades, with some services rebating up to 50% of cost and the Home Comfort Bundle going up to $1,250. It is an energy program, not a wildfire-specific hardening program, but some eligible work can overlap with home resilience.
View program - Free serviceOpen
Firewise
Mississippi Forestry Commission
Free workshops and wildfire-home-hardening guidance
A free wildfire-prevention education program that helps Harrison County homeowners learn how to make homes and neighborhoods more resistant to wildfire. The program offers workshops and guidance on home ignition zones, defensible space, and access readiness.
View program - Free serviceOpen
PNM wildfire preparedness guidance and vegetation management support
Public Service Company of New Mexico (PNM)
No cash incentive stated on the official page; preparedness guidance only.
PNM provides wildfire-preparedness guidance to customers in its service territory, including trimming vegetation around homes and clearing gutters and debris. The official wildfire-safety page does not describe a homeowner cash program or rebate for hardening a house.
View program - LoanOpen
Federal Housing Agency’s 203(k) Rehabilitation Mortgage
Federal Housing Administration
Finances renovations, repairs, or remodeling in one loan; no cap stated.
An FHA rehabilitation mortgage that can finance home purchases or refinances and roll renovations, repairs, or remodeling into one loan. The page says it can be used for structural repairs, major remodeling, and improvements that increase energy efficiency or help protect homes from natural disasters.
View program - LoanOpen
Fannie Mae HomeStyle Energy Mortgage
Fannie Mae
Up to 15% of the property's as-completed value for energy improvements.
A federal mortgage product that lets homebuyers finance energy improvements as part of a HomeStyle Energy mortgage. The page says borrowers may use up to 15% of the property's as-completed value for energy improvements.
View program - Free serviceOpen
EnergizeCT Weatherization Baseline / Energy Efficiency Programs
EnergizeCT / Connecticut energy efficiency program sponsors
Varies by subprogram
EnergizeCT’s utility programs include home weatherization and efficiency services that can improve a home’s envelope and reduce vulnerability to weather impacts. The main site confirms the initiative is funded by the Energy Efficiency Fund, the Connecticut Green Bank, the State, and local electric and gas utilities.
View program - GrantOpenIncome restricted
Single Family Housing Disaster Assistance Fund Program
USDA Rural Development
Grants and loans; dollar limits not stated on the page excerpt used here.
USDA Rural Development offers grants and loans to very-low- and low-income rural homeowners whose homes were damaged in a disaster. The page says the program is currently open and accepts applications through September 30, 2026.
View program - LoanOpen
Section 502 Single Family Housing Disaster Assistance
USDA Rural Development
No specific amount stated on this disaster-assistance page.
USDA Rural Development says its Single Family Housing programs, including Section 502 home loans and 504 home repair, help rural families buy, build, or repair homes after a disaster. This is a disaster-assistance information page, not a separate homeowner grant program page.
View program - GrantOpen
Hazard Mitigation under the Individuals and Households Program – Wildfire Measures
Federal Emergency Management Agency
Additional mitigation funds for eligible wildfire survivors; amount not stated on the fact sheet.
FEMA may provide extra mitigation funds to eligible wildfire survivors who already qualify for Individuals and Households Program home repair assistance. Covered wildfire hardening measures include vent covers and non-combustible gutters and leaf guards.
View program - GrantOpen
Hazard Mitigation Grant Program
Federal Emergency Management Agency
Community-sponsored mitigation grants; no homeowner cap stated.
FEMA’s Hazard Mitigation Grant Program funds post-disaster projects that reduce future damage to homes, including wildfire mitigation, but homeowners do not apply directly. Local governments or other sponsors apply on their behalf.
View program - LoanOpen
Title I Property Improvement Loan Program
U.S. Department of Housing and Urban Development
Insured private loans; balances over $7,500 must be secured against the property.
HUD’s Title I Property Improvement Loan Program lets homeowners finance repairs and improvements through insured private lender loans. HUD says improvements must substantially protect or improve the basic livability or utility of the property.
View program - LoanOpen
Section 203(k) Rehabilitation Mortgage Insurance Program
U.S. Department of Housing and Urban Development
One mortgage can cover purchase/refinance plus rehab; dollar cap not stated on the main page excerpt used here.
HUD’s 203(k) program lets homebuyers and homeowners finance purchase or refinance plus rehabilitation in one FHA-insured mortgage. It is a way to roll home repairs and improvements into mortgage financing.
View program - Free serviceOpenIncome restricted
EnergizeCT Home Energy Solutions – Income Eligible (HES-IE)
EnergizeCT / Connecticut energy efficiency program sponsors
No-cost service; no cash amount stated
This utility-run program gives income-eligible homeowners a no-cost home energy assessment and weatherization improvements, with some additional services like insulation, windows, or heating and cooling system work. It is not wildfire-specific, but it is a current free home-hardening-related service available in Connecticut, including New London County.
View program - LoanOpen
Freddie Mac GreenCHOICE Mortgage
Freddie Mac
Financing for completed or to-be-completed energy and water efficiency improvements; no cap stated.
Federal mortgage product that allows buyers to finance completed or to-be-completed energy and water efficiency improvements and repairs through the mortgage. The page does not state a dollar cap.
View program - GrantOpenIncome restricted
Dominion Energy EnergyShare
Dominion Energy
Dominion Energy’s EnergyShare program helps qualifying customers pay energy bills and may also provide a free home energy assessment plus free energy-efficiency upgrades. Hanover County lists EnergyShare as a local resource for residents needing utility help.
View program - Free serviceOpenIncome restricted
WeCare Program (LG&E/KU)
LG&E and KU
Free audits, safety checks, education, and weatherization services; no dollar cap stated.
LG&E and KU’s WeCare program provides no-cost energy audits, health and safety checks, education, and weatherization services to income-qualified customers. The Louisville Metro assessment says it can include direct-install measures and deeper weatherization work.
View program - Free serviceOpenIncome restricted
Connecticut Weatherization Assistance Program (CT WAP)
Connecticut Department of Energy and Environmental Protection
Free weatherization measures; no dollar cap stated.
A state weatherization program for lower-income households that can provide home retrofits and repairs such as air sealing, insulation, and heating system tune-ups.
View program - LoanOpen
Federal Housing Agency’s Energy Efficient Mortgage Program
Federal Housing Administration
Energy-efficient improvements can be financed as part of an FHA-insured mortgage; no cap stated.
An FHA mortgage program that lets homebuyers finance energy-efficient improvements as part of an FHA-insured mortgage. The page gives no dollar amount or cap.
View program - Tax creditOpen
Sec. 25D Residential Clean Energy Tax Credit
Federal government
Federal tax credit for qualified clean energy measures; amount not stated on the page.
Federal tax credit for installing new qualified clean energy measures, such as solar, geothermal, fuel cells, and battery storage. The page lists the program but does not state a dollar cap on the snippet provided.
View program - Free serviceOpenIncome restricted
WeCare Program (LG&E/KU)
LG&E and KU
Free audits, safety checks, education, and weatherization services; no dollar cap stated.
LG&E and KU’s WeCare program provides no-cost energy audits, health and safety checks, education, and weatherization services to income-qualified customers. The Louisville Metro assessment says it can include direct-install measures and deeper weatherization work.
View program - Free serviceOpen
PSO Home Weatherization Assistance
Public Service Company of Oklahoma (Power Forward With PSO)
Free weatherization services; dollar cap not stated in the source found.
PSO offers weatherization services for qualified customers to make homes more comfortable and energy efficient, with free weatherization services mentioned in PSO’s program materials.
View program - Free serviceOpenIncome restricted
EnergizeCT Home Energy Solutions – Income Eligible (HES-IE)
EnergizeCT / Connecticut energy efficiency program sponsors
No-cost service; no cash amount stated
This utility-run program gives income-eligible homeowners a no-cost home energy assessment and weatherization improvements, with some additional services like insulation, windows, or heating and cooling system work. It is not wildfire-specific, but it is a current free home-hardening-related service available in Connecticut, including New London County.
View program - Free serviceOpen
EnergizeCT Weatherization Baseline / Energy Efficiency Programs
EnergizeCT / Connecticut energy efficiency program sponsors
Varies by subprogram
EnergizeCT’s utility programs include home weatherization and efficiency services that can improve a home’s envelope and reduce vulnerability to weather impacts. The main site confirms the initiative is funded by the Energy Efficiency Fund, the Connecticut Green Bank, the State, and local electric and gas utilities.
View program - Insurance discountOpen
Louisiana Wind Mitigation Incentives / Hurricane Loss Mitigation Insurance Discounts
Louisiana Department of Insurance
Insurance premium discount; amount varies
Louisiana homeowners may qualify for insurance premium discounts for making hurricane and storm mitigation improvements that comply with state code requirements. The Department of Insurance says homeowners need an assessment to document qualifying features.
View program - Cost shareOpen
Firewise Communities Mitigation Cost-Share Program
Hawaiʻi Wildfire Management Organization
No amount stated
HWMO says Firewise communities can use this cost-share program to pay for shared wildfire-reduction work like vegetation management, defensible space, home hardening, and community preparedness. The official page does not list a dollar cap.
View program - Free serviceOpen
Wildfire Home Risk Assessor Program
Hawaiʻi Wildfire Management Organization
Free home wildfire risk assessment service
HWMO offers a free home wildfire risk assessment program for homeowners, helping them identify ignition risks and possible home-hardening improvements. The page says the information may help develop future incentive programs, but it does not promise cash payments.
View program - Free serviceOpen
Neighborhood Energy Saver
Duke Energy
Free home energy assessment plus free installed products valued at up to $300; the page also says customers may save up to $95 on energy bills.
Duke Energy offers eligible residential customers free home energy assessments and free energy-saving products through Neighborhood Energy Saver. The event page says customers may get up to $300 in products installed for free.
View program - Free serviceOpenIncome restricted
Connecticut Weatherization Assistance Program (CT WAP)
Connecticut Department of Energy and Environmental Protection
Free weatherization measures; no dollar cap stated.
A state weatherization program for lower-income households that can provide home retrofits and repairs such as air sealing, insulation, and heating system tune-ups.
View program - GrantOpenIncome restricted
SC Safe Home Grant Program
South Carolina Department of Insurance
South Carolina’s Safe Home grant program helps eligible homeowners harden homes against hurricane and wind damage. The official notice says homeowners are responsible for costs above the grant award, but it does not give a county-specific Florence County cap on the page snippet available.
View program - Free serviceOpen
Get Alarmed, Tennessee!
Tennessee Department of Commerce and Insurance, State Fire Marshal’s Office
Free smoke alarms; carbon monoxide detectors are also included in the 2026 expansion
The State Fire Marshal’s Office gives out free smoke alarms, and now carbon monoxide detectors too, through local fire departments. It’s aimed at high-risk homes and can help homeowners in Washington County lower the chance of a deadly residential fire.
View program - Free serviceOpen
PNM wildfire preparedness guidance and vegetation management support
Public Service Company of New Mexico (PNM)
No cash incentive stated on the official page; preparedness guidance only.
PNM provides wildfire-preparedness guidance to customers in its service territory, including trimming vegetation around homes and clearing gutters and debris. The official wildfire-safety page does not describe a homeowner cash program or rebate for hardening a house.
View program - Insurance discountOpen
Louisiana Wind Mitigation Survey / Premium Discount
Louisiana Department of Insurance
Louisiana homeowners can get an insurance premium discount for approved wind-hardening features if their insurer offers it and they complete the state wind mitigation survey. The Department of Insurance says admitted insurers must offer actuarially justified wind-mitigation discounts.
View program - Tax creditOpen
Sec. 25D Residential Clean Energy Tax Credit
Federal government
Federal tax credit for qualified clean energy measures; amount not stated on the page.
Federal tax credit for installing new qualified clean energy measures, such as solar, geothermal, fuel cells, and battery storage. The page lists the program but does not state a dollar cap on the snippet provided.
View program - LoanOpen
Fannie Mae HomeStyle Energy Mortgage
Fannie Mae
Up to 15% of the property's as-completed value for energy improvements.
A federal mortgage product that lets homebuyers finance energy improvements as part of a HomeStyle Energy mortgage. The page says borrowers may use up to 15% of the property's as-completed value for energy improvements.
View program - LoanOpen
Freddie Mac GreenCHOICE Mortgage
Freddie Mac
Financing for completed or to-be-completed energy and water efficiency improvements; no cap stated.
Federal mortgage product that allows buyers to finance completed or to-be-completed energy and water efficiency improvements and repairs through the mortgage. The page does not state a dollar cap.
View program - LoanOpen
Federal Housing Agency’s Energy Efficient Mortgage Program
Federal Housing Administration
Energy-efficient improvements can be financed as part of an FHA-insured mortgage; no cap stated.
An FHA mortgage program that lets homebuyers finance energy-efficient improvements as part of an FHA-insured mortgage. The page gives no dollar amount or cap.
View program - LoanOpen
Federal Housing Agency’s 203(k) Rehabilitation Mortgage
Federal Housing Administration
Finances renovations, repairs, or remodeling in one loan; no cap stated.
An FHA rehabilitation mortgage that can finance home purchases or refinances and roll renovations, repairs, or remodeling into one loan. The page says it can be used for structural repairs, major remodeling, and improvements that increase energy efficiency or help protect homes from natural disasters.
View program - GrantOpenIncome restricted
Dominion Energy EnergyShare
Dominion Energy
Dominion Energy’s EnergyShare program helps qualifying customers pay energy bills and may also provide a free home energy assessment plus free energy-efficiency upgrades. Hanover County lists EnergyShare as a local resource for residents needing utility help.
View program - Free serviceStatus unknown
Pennsylvania Insurance Department homeowners insurance resources
Pennsylvania Insurance Department
Pennsylvania’s Insurance Department publishes homeowners-insurance guidance, including disaster and claim information, but it does not show a statewide homeowner discount or rebate for wildfire hardening. I found no official Pennsylvania statewide insurance-mandated wildfire mitigation discount for homeowners.
View program - GrantStatus unknown
Hazard Mitigation and Community Education Grants
Tennessee Department of Agriculture, Division of Forestry
A state wildfire-prevention grant for local communities and organizations, not individual homeowners. It funds wildfire hazard mitigation and education projects, with examples including fuel reduction, thinning, and prescribed burning.
View program - GrantClosed
Pennsylvania Municipal Fire Department Capital Grant
Office of the State Fire Commissioner
$25,000 to $100,000
The Commonwealth offers grants to municipal fire departments for facilities and equipment that help them respond to emergencies. This is not a homeowner grant, but it is a statewide public-safety funding program related to wildfire resilience.
View program - RebateClosed
Residential Safe Room Program
Indiana Department of Homeland Security
Up to $5,000 maximum rebate; 75% reimbursement
Indiana offers a rebate to help homeowners install safe rooms in residences. The program’s headline benefit is up to $5,000, with reimbursement capped at 75% of eligible costs.
View program - GrantClosedIncome restricted
Homeowner Assistance Fund
U.S. Department of the Treasury
Grant assistance for COVID-related housing costs; no hardening-specific amount stated.
The federal Homeowner Assistance Fund was a COVID-era homeowner relief program that could pay certain housing-related costs to prevent delinquency, default, foreclosure, and utility loss. It is not a natural-disaster hardening program, but it is a federal homeowner assistance program that may affect housing costs.
View program
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