● PINELLAS COUNTY RESOURCE HUB
Funding to Make Your Home
Hurricane-Ready
SaferHome.AI turns your address into a hurricane survival plan.
Discover grants, forgivable loans, and financing programs available to
Pinellas County homeowners and learn how your SaferHome.AI score unlocks the ones you qualify for.
$1.8B+
ACTIVE FUNDING AVAILABLE
13
PROGRAMS TRACKED
$10K–$375K
PER-HOME BENEFIT RANGE
39%
AVG. INSURANCE SAVINGS
Four tools. One mission: get your home to the highest hurricane category it can reach.
Your score tells you exactly what to upgrade — these programs pay for it.
SaferHome.AI analyzes your home's hurricane resilience across roof, openings, structure, and flood risk. Your personalized score maps directly to the grants and programs you're most likely to qualify for.
● HOW SAFERHOME.AI WORKS
Your Score Is Your Grant Roadmap
SaferHome.AI turns your address into a hurricane survival plan.
Most homeowners don't know which programs they qualify for — or which upgrades to prioritize. SaferHome.AI closes that gap in minutes.
01
Get Your Free Resilience Score
Enter your address. We analyze your home's roof type, age, opening protection, structure, and flood zone against county permit and property data.
02
See Your Upgrade Priorities
Your personalized score breaks down exactly which features are weakening your rating and which improvements would have the highest insurance and safety impact.
03
Match to Funding Programs
Based on your address and score, we surface every grant, forgivable loan, and financing program your home is eligible for — including income tiers and deadlines.
04
Apply & Save on Insurance
Complete your upgrades using grant funding. Your updated score qualifies you for wind mitigation insurance discounts that can save 15–39% annually on your premium.
Four tools. One mission: get your home to the highest hurricane category it can reach.
COMPLETE PROGRAM DIRECTORY
Every Pinellas Funding Source in One Place
Programs are updated regularly. Geography, income level, and your specific upgrade type all determine eligibility — your SaferHome.AI score helps you navigate the right fit.
How to use this page: Each card shows the maximum benefit, who qualifies, and what's covered. Programs marked First-Come, First-Served fund out quickly apply as soon as you have your SaferHome.AI score in hand.
STATE PROGRAMS
Available to all Pinellas homeowners
My Safe Florida Home (MSFH) Program
Florida Dept. of Financial Services · mysafeflhome.com
Florida's flagship wind-hardening grant. Starts with a free wind mitigation inspection, then funds recommended upgrades. Low-income homeowners receive 100% coverage; moderate-income get a 2-to-1 match (state pays $2 for every $1 you spend). $352M funded for 2025–26; 2026–27 reauthorized at $405M+.
Grant (Reimbursement)
≤120% AMI
First-Come, First-Served
All Pinellas
Covers
Impact windows · Roof · Garage door · Water barrier
$10,000
max grant
PACE Financing (Property Assessed Clean Energy)
Florida PACE Funding Agency · floridapace.gov
No credit check, no upfront cost. PACE lets you fund hurricane upgrades and repay through your annual property tax bill over 5–30 years at fixed rates. The assessment transfers to new owners if you sell. Available to any Pinellas homeowner regardless of income.
Property Tax Financing
All Pinellas
Covers
Roofing · Windows · Doors · HVAC · Solar
$375K
max grant
Hurricane Loss Mitigation Program (HLMP)
FL Division of Emergency Management · floridadisaster.org
Flows through local governments, housing authorities, and nonprofits to fund wind and flood mitigation retrofitting. Municipalities apply on behalf of qualifying residents. Ask your city or county emergency management office if they are participating.
Grant (via municipality)
Income-based
All Pinellas
Covers
Wind & flood retrofit · Structural hardening
$3.5M
max grant
COUNTY PROGRAMS
Pinellas County — geography varies by program
People First Homeowner Rehab / Reconstruction (HRRP)
Pinellas Recovers (CDBG-DR) · recover.pinellas.gov
Part of Pinellas County's $813M federal disaster recovery allocation. Funds full repair, rebuilding, or replacement of homes damaged by Hurricanes Idalia, Helene, or Milton with resilient build-back standards. 80% reserved for households at ≤80% AMI; remaining 20% up to 120% AMI.
Grant
≤120% AMI
Hurricane-damaged homes
All Pinellas
Covers
Roof · Windows · Full rebuild · Septic
$375K
max grant
People First Homeowner Reimbursement Program
Pinellas Recovers (CDBG-DR) · recover.pinellas.gov
Already completed repairs after Helene, Milton, or Idalia? Get reimbursed for documented code-compliant work — including repairs, demolition, or reconstruction — completed before your application date. First-come, first-processed.
Reimbursement Grant
≤120% AMI
First-Come, First-Processed
Excl. St. Petersburg
Covers
Any permitted post-hurricane repair work
Varies
reimbursement
Pinellas Hurricane Home Repair Program
Pinellas County (SHIP-funded) · pinellas.gov
For income-eligible homeowners with hurricane damage not covered by insurance or FEMA. Grant funds paid directly to a licensed contractor or reimburse the homeowner. Requires proof of exhausted FEMA assistance first.
Grant
Income-eligible
Excl. StPete · Clearwater · Largo
Covers
Hurricane damage · Structural · Roof
Varies
reimbursement
Pinellas SHIP Home Repair ProgramPinellas SHIP Home Repair Program
Pinellas County (SHIP) · pinellas.gov
Fully forgivable loan zero monthly payments for low-income homeowners needing critical repairs. Stay in your home as primary residence and the loan is forgiven. Reopened April 2026 after being redirected to emergency hurricane response.
Forgivable Loan
Low Income
Excl. StPete · Clearwater · Largo
Covers
Roof · Windows · AC · Structural repairs
$75,000
forgivable loan
FEDERAL PROGRAMS
Administered through county or state — homeowner must be sponsored
FEMA Flood Mitigation Assistance (FMA)
FEMA via FL Division of Emergency Management · pinellas.gov/flood-mitigation
Federal funding for NFIP-insured properties with repetitive flood losses. Requires Pinellas County to sponsor your application. Call (727) 464-7700 to start the process. $235M+ awarded nationally in April 2026; new cycle open through June 25, 2026.
Grant (Gov-sponsored)
All Pinellas
NFIP-insured required
Covers
Elevation · Acquisition · Flood retrofit
$600M
national pool
FEMA Hazard Mitigation Grant Program (HMGP)
FEMA (Post-Disaster) · fema.gov/grants/mitigation
Activated after presidentially declared disasters. Funds elevation, wind retrofits, safe room construction, and drainage improvements for both public and private properties through a government sponsor. Florida has active HMGP declarations from Helene and Milton.
Post-Disaster Grant
All Pinellas
Covers
Elevation · Wind retrofit · Safe rooms · Drainage
Varies
per project
Program information is provided for educational purposes and is updated regularly but not guaranteed to be current. Grant availability, income limits, application windows, and program details change frequently. Always verify eligibility and deadlines directly with the administering agency before applying.
STATE PROGRAMS
Available to all Pinellas homeowners
My Safe Florida Home (MSFH) Program
Florida Dept. of Financial Services · mysafeflhome.com
Florida's flagship wind-hardening grant. Starts with a free wind mitigation inspection, then funds recommended upgrades. Low-income homeowners receive 100% coverage; moderate-income get a 2-to-1 match (state pays $2 for every $1 you spend). $352M funded for 2025–26; 2026–27 reauthorized at $405M+.
Grant
≤120% AMI
First-Come, First-Served
All Pinellas
Covers
Impact windows · Roof · Garage door · Water barrier
$10,000
max grant
PACE Financing (Property Assessed Clean Energy)
Florida PACE Funding Agency · floridapace.gov
No credit check, no upfront cost. PACE lets you fund hurricane upgrades and repay through your annual property tax bill over 5–30 years at fixed rates. The assessment transfers to new owners if you sell. Available to any Pinellas homeowner regardless of income.
Property Tax Financing
All Pinellas
Covers
Roofing · Windows · Doors · HVAC · Solar
$375K
max financing
Hurricane Loss Mitigation Program (HLMP)
FL Division of Emergency Management · floridadisaster.org
Flows through local governments, housing authorities, and nonprofits to fund wind and flood mitigation retrofitting. Municipalities apply on behalf of qualifying residents. Ask your city or county emergency management office if they are participating.
Grant (via municipality)
Income-based
All Pinellas
Covers
Wind & flood retrofit · Structural hardening
$3.5M
statewide pool
FEDERAL PROGRAMS
Administered through county or state — homeowner must be sponsored
FEMA Flood Mitigation Assistance (FMA)
FEMA via FL Division of Emergency Management · pinellas.gov/flood-mitigation
Federal funding for NFIP-insured properties with repetitive flood losses. Requires Pinellas County to sponsor your application. Call (727) 464-7700 to start the process. $235M+ awarded nationally in April 2026; new cycle open through June 25, 2026.
Grant (Gov-sponsored)
NFIP-insured required
All Pinellas
Covers
Elevation · Acquisition · Flood retrofit
$600M
national pool
FEMA Hazard Mitigation Grant Program (HMGP)
FEMA (Post-Disaster) · fema.gov/grants/mitigation
Activated after presidentially declared disasters. Funds elevation, wind retrofits, safe room construction, and drainage improvements for both public and private properties through a government sponsor. Florida has active HMGP declarations from Helene and Milton.
Post-Disaster Grant
All Pinellas
Covers
Elevation · Wind retrofit · Safe rooms · Drainage
Varies
per project
