Hurricane Season is June 1 – November 30
Wind Mitigation Resources
Consumers can take advantage of insurance premium savings when installing or implementing windstorm damage mitigation techniques, alterations, or solutions to their properties to prevent windstorm losses. This page is intended to provide a detailed resource to consumers regarding the process of requesting a wind mitigation inspection, updating and submitting necessary wind mitigation forms, and for obtaining information about mitigation programs available (subject to eligibility requirements), and other mitigation resources to benefit consumers.
Wind Mitigation Inspection Process
OIR encourages consumers to be diligent when selecting an inspector to conduct their wind mitigation inspections and verifying that the inspector is authorized under Section 627.711(2)(a), Florida Statutes.
Wind Mitigation Forms
Section 627.0629, Florida Statutes, requires OIR, by January 1, 2025, and every 5 years after that, to review and update the fixtures or construction techniques demonstrated to reduce windstorm damage, along with the related insurance discounts and deductible reductions reflecting the value of such efforts. In June 2024, Applied Research Associates, Inc. (ARA) completed a Residential Wind-Loss Mitigation Study that provides data and analysis on the estimated reduction in loss for wind-resistive building features for residential property insurance. As a result of the ARA study, the Uniform Mitigation Verification Inspection Form (OIR-B1-1802) is in the final stages of updates. OIR continues to evaluate the Windstorm Mitigation Discount Forms (OIR-B1-1699 and OIR-B1-1700) and the Notice of Premium Discounts for Hurricane Loss Mitigation Form (OIR-B1-1655) for updates.
| Form # | Form Title | Effective/Revised Date | Florida Statute/Rule | Purpose |
| OIR-B1-1655 | Notice of Premium Discounts for Hurricane Loss Mitigation | Revised February 2010 | Form is provided by the insurer to the policyholder for any personal lines residential policy at the time of issuance and at each renewal, describing what actions the policyholder may be able to take to reduce their windstorm premium. | |
| OIR-B1-1699 | Windstorm Mitigation Discounts; Single Family Residences | Effective October 2006 | Form displays the range of wind premium credits for existing construction on single family residences. | |
| OIR-B1-1700 | Windstorm Mitigation Discounts; Non-Single Family Residences | Effective October 2006 | Form displays the range of wind premium credits for existing construction on non-single family residences. | |
| OIR-B1-1802 | Uniform Mitigation Verification Inspection Form (Rev. 01/12) | Revised January 2012 (updates pending) | Authorized inspector completes this form during wind mitigation inspection. |
The Uniform Mitigation Verification Inspection Form (OIR-B1-1802) is valid for up to five (5) years provided no material changes are made to the structure or inaccuracies are found on the form.
Florida Mitigation Programs
| Mitigation Program | Managing Agency | Eligible Applicants |
| My Safe FL Home Program | Florida Department of Financial Services | Individual Homeowners |
| My Safe FL Condo Pilot Program | Florida Department of Financial Services | Condominium Associations |
| *NEW* Elevate Florida: FDEM’s Residential Mitigation Program | Florida Division of Emergency Management | Legal Property Owners of a Florida Residential Property |
| Flood Mitigation Assistance Program | Florida Division of Emergency Management | State Agencies, Local Governments, and Tribes |
| Gulf Coast State College Mobile Home Tie-Down Program | Florida Division of Emergency Management | Individual applications for stand-alone individually-owned homes that are not located in a Manufactured Home Community which has a park manager and/or HOA; Park applications are for a mobile home and manufactured home parks and communities with a park manager and/or HOA |
| Hazard Mitigation Grant Program | Florida Division of Emergency Management | State Agencies, Local Governments, Tribes, and Private Nonprofit Organizations |
| Hurricane Loss Mitigation Program | Florida Division of Emergency Management | Local Governments and Nonprofit Organizations |
| Swift Current Flood Mitigation Assistance Program | Florida Division of Emergency Management | State Agencies, Local Governments, and Tribes |
| Mitigation Assistance Loans | U.S Small Business Administration | Eligible SBA disaster loan borrowers |
Additional Mitigation Resources
Section 627.0629, Florida Statutes, requires all residential property insurers, effective October 1, 2023, to provide information on the insurer’s website describing the hurricane mitigation discounts available to policyholders. Consumers may visit their insurer’s website or speak with their agent for additional information about mitigation measures and how to take steps to harden their homes.
Consumers may access Strong Homes Scale, brought to you by the Federal Alliance for Safe Homes (FLASH). By entering a home address, users receive a customized resilience rating based on local building codes, disaster risk levels, and their home's construction features when it was built.