SC Safe Home Mitigation Grant Program


SC Safe Home Mitigation Grant Program's 2020 - 2021 cycle is now closed and is not accepting new applications as of Wednesday, July 1, 2020 at 11:00 am.

Sign up here to be notified when the program re-opens for the 2021 - 2022 cycle.



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 second round of the 2020 - 2021 funding cycle will be available no later than December 1, 2020. At that 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 Carolinian's.

The SC Safe Home Program has partnered with the IBHS Fortified Program to provide participating homeowners the possibility of achieving dual designations when mitigation work is performed on the roof of their homes.  In choosing the dual designation, the homeowner may qualify for additional insurance benefits based on meeting the now shared standards of the Safe Home program and the Fortified Roof program.  Your approved independent contractor will know what additional measures are to be taken during the mitigation process to ensure your home qualifies for both standards.



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 2020-06.


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: scsafehome@doi.sc.gov.


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