SC Safe Home Mitigation Grant Program

SC Safe Home Mitigation Grant Program's 2019-2020 cycle is currently closed and not accepting new applications as of Monday, December 23, 2019.  Applications for the 2020-2021 grant cycle will be available no later than July 1, 2020. Sign up here to be notified when the program re-opens.

The South Carolina Safe Home program, administered by the South Carolina Department of Insurance, provides matching and non-matching grant funds to help coastal property owners retrofit their homes to make them more resistant to hurricane and high-wind damage.  The funds provided by this program are for the sole purpose of retrofitting owner-occupied, single-family homes.  SC Safe Home funds may not be used for remodeling, home repair or new construction.

Grant awards are based on the total annual adjusted gross household income of the applicant, adjusted for family size relative to the county area median income or the state median family income, whichever is higher.  These statewide and countywide income figures are published annually by the United States Department of Housing and Urban Development (HUD).

If the cost of the mitigation project exceeds the amount of the grant award, the remaining cost is the responsibility of the applicant.  No grant award may exceed $5,000.00. 

The initial round of the 2020-2021 funding cycle will be available no later than July 1, 2020.  At this time, the program will accept applications and award grants using the outlined methodology.  The total amount awarded during this round will not exceed $1.1 million. 

The maximum individual grant amounts (effective July 1, 2020) are as follows:

Matching Grants $4,000               Non-matching Grants $5,000

To help applicants determine their estimated grant award, the South Carolina Department of Insurance has provided an award estimator. 

The Following Retrofits Are Allowable Under the SC Safe Home Grant Program

Bracing gable ends

Roof-to-wall connectors

Secondary water barrier

Exterior doors (including garage doors)

Roof covering

Repair or replacement of manufactured home piers, anchors and tie-down straps

Opening protection (window replacement, hurricane shutters)

Roof deck attachment

Issues associated with weak trusses, studs and structural components

Retrofitted or strengthened homes are less vulnerable to the effects of severe wind storms, thereby making the hurricane and high-wind damage less likely and less intense.  Fewer damages result in lower or fewer insurance claims and will over time reduce insurance premiums for all South Carolinians.

This program was established through the Omnibus Coastal Property Insurance Reform Act of 2007. Changes to the program made during the 2017-2018 Session of the South Carolina General Assembly are outlined in Act 28.  For additional information please see South Carolina Department of Insurance Bulletin 2019-03.

Should you have any questions concerning this information, please contact the SC Safe Home Grant Program staff by calling (803) 737 - 6087. You may also contact the staff at the following email address:

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