SC Safe Home Grants
and FORTIFIED Roofs in 2026
SC Safe Home is a South Carolina Department of Insurance program that gives grants to eligible homeowners to make their homes stronger against hurricanes. Its roof grants pair with the IBHS FORTIFIED Roof program, so one roof can earn both designations. Collins Roofing and Repair can walk you through what a qualifying roof needs.
2026 SC Safe Home Grant Amounts
2026 SC Safe Home grant amounts by project type, for non-matching and matching grants
| Project Type |
Non-Matching Grant |
Matching Grant |
| Resilient Mitigation: roof built to SC Safe Home and IBHS FORTIFIED Roof standards |
Up to $7,500 |
Up to $6,000 |
| Sustainable Mitigation: roof built to SC Safe Home standards, or opening protection |
Up to $5,000 |
Up to $4,000 |
| Hurricane shutters or protective barriers |
Up to $3,000 |
Up to $3,000 |
Non-matching grants are for households under the program's income limits. Matching grants have no income limit, but the homeowner matches the grant dollar for dollar. You pay any cost above the grant.
Who Qualifies
- The home is in a designated coastal county. The 2026 round covered 11 counties, including Horry, Georgetown, Marion and Florence.
- You own it and live in it as your primary residence.
- It's a single-family, freestanding home. Duplexes and multifamily units don't qualify.
- You carry an active homeowners policy.
- You haven't already received and used an SC Safe Home grant.
- The work is a retrofit, not a repair. Grants don't pay for general repairs, maintenance or remodeling.
How the Grant Process Works
Applications open about twice a year through an online portal at doi.sc.gov/safehome. The spring 2026 round opened February 10 with about $3 million in funding, much more than a typical round. A certified wind inspector evaluates the home, and funds go fast.
Tax Credits and Premium Discounts
South Carolina also offers a state income tax credit of 25 percent of retrofit costs, up to $1,000, plus a credit of up to $1,500 for sales tax paid on materials.
South Carolina law requires insurers to offer premium discounts for wind-resistant construction like FORTIFIED. Ask your agent what your carrier offers.