How It Works
SaferHome.AI turns your address
into a hurricane survival plan.
SaferHome.AI turns your address into a hurricane survival plan.
Enter your address. SaferHome.AI cross-references public property records, Florida Building Code standards, FEMA surge zones, and OIR wind mitigation data to give you a pre-verified Storm Resilience Score and a step-by-step upgrade plan free, in under 60 seconds.
Free score in under 60 seconds
Two Core Outputs. One Clear PicturE
Not a zip-code average. Not a guess.
Your home’s actual records, read against Florida's wind mitigation framework.
70
/ 100 Points
STORM RESILIENCE SCORE
A 0–100 score built from verifiable structural features on your property roof covering, opening protection, hurricane straps, and more. Tied to Florida's OIR-B1-1802 wind mitigation form. Each verified upgrade earns points and unlocks real insurance credits.
Data: PCPAO + Florida Building Code + OIR-B1-1802
Your Limit
Category Ceiling
The maximum Category hurricane your home can survive a "weakest link" of two signals: your Wind Rating (structural Storm Resilience Score from verified upgrades) and your Surge Zone (FEMA flood zone for your parcel). Both must improve to raise your ceiling.
Wind Rating structural
Surge Zone FEMA geographic
Data: FEMA NFIP Zones + GIS Elevation + Structural Assessment
What's Inside the App
Four tools. One mission: get your home
to the highest hurricane category it can reach.
Four tools. One mission: get your home to the highest hurricane category it can reach.
SaferHome.AI is a complete hurricane preparedness platform not just a
score calculator. Here's everything it gives you.
STORM RESILIENCE SCORE
A 0–100 structural score tied to Florida's OIR-B1-1802 wind mitigation form. Every verified upgrade adds points and unlocks insurance credits. Free from your address alone no inspector needed.
Free — Instant
Category Ceiling
The maximum hurricane category your home can survive driven by your Wind Rating and your Surge Zone. Both must improve to raise it. Parcel-specific, not a county average.
Free — Instant
Insurance Savings Estimator + OIR Readiness Report
Every wind mitigation credit mapped to FL Statute 627.0629, ranked by annual savings. The OIR Readiness Report pre-fills your OIR-B1-1802 form with verified credits before your inspector arrives.
In The App
Hardening Missions
Prioritized upgrades ranked by insurance impact — roof straps, impact glass, garage door, and more. Upload a photo or permit and our AI verifies it against Florida Building Code standards. No inspector required for most missions.
In The App
Insurance Savings Estimator + OIR Readiness Report
Every wind mitigation credit mapped to FL Statute 627.0629, ranked by annual savings. The OIR Readiness Report pre-fills your OIR-B1-1802 form with verified credits before your inspector arrives.
In The App
Why SaferHome.AI
Why SaferHome.AI
The Old Way #1
Guessing and hoping
No visibility into which structural features qualify for credits
Paying full wind premium despite qualifying for discounts
No way to know your actual Category Ceiling before a storm
No way to know which features are already documented on your file.
The Old Way #2:
Inspector first, plan second
$150–$300 per inspection, paid upfront with no guarantee
An inspection documents what exists — it doesn't rank what to add
Results are the starting point, not an action plan
You get a form, not a priority list
SaferHome.AI
Know your position. Then act.
Free baseline in 60 seconds before you spend a dollar
Shows exactly which upgrades unlock the highest savings first
AI verifies photo uploads so you can earn credits on your own timeline
Pre-fills your OIR-B1-1802 before you pay for an inspection
The Data Behind Your Score
Four authoritative data sources.
Cross-referenced automatically for your address.
Four authoritative data sources. Cross-referenced automatically for your address.
SaferHome.AI doesn't estimate. It reads the actual public records for your specific
parcel and applies Florida's official wind mitigation framework to every field.
`01
PCPAO Property Records
Pinellas County Property Appraiser data for 436,000+ parcels year built, structure type, roof covering type, square footage, and assessed value. Updated continuously.
`02
OIR-B1-1802 Form Mapping
Florida's Uniform Mitigation Verification Inspection Form 9 sections, each mapped to credit-earning missions. Rev. 04/26 standards applied. Your score reflects every applicable section.
`03
FEMA NFIP Flood Zones
FEMA National Flood Insurance Program surge zone designation for your parcel used to calculate your geographic Category Ceiling alongside your structural score.
`04
FL Statute 627.0629
FL Statute 627.0629 — Florida's wind mitigation discount law. Insurers must include actuarially reasonable credits for verified features in their approved rate filings. SaferHome AI maps every credit that applies to your home, ranked by annual value.
From address to action plan
in under 60 seconds.
You now know exactly how it works.
There is only one thing left to do.
You now know exactly how it works.There is only one thing left to do.
Enter your address. See your score. Know your Category Ceiling. Free for every Pinellas County homeowner. Takes 60 seconds.
Free score in under 60 seconds
Florida's Home Storm Resilience Score card.
Know your score. Protect your home. Save on insurance.
