Lowcountry Grants, credits & discounts for coastal SC homes
SC Safe Home grants
Mitigation grants for eligible coastal, owner-occupied single-family homes. The 2026 portal reopened July 13, 2026; awards are income-based and stop when funds run out.
| Project | Non-matching | Matching |
|---|---|---|
| Resilient Mitigation (SC Safe Home + IBHS FORTIFIED ROOF) | Up to $7,500 | Up to $6,000 |
| Sustainable Mitigation | Up to $5,000 | Up to $4,000 |
| Hurricane shutters / protective barriers | Up to $3,000 | Up to $3,000 |
Don't book a wind inspection before applying; use an approved inspector (fee capped at $250). Sources: SCDOI SC Safe Home, SCDOI FAQ.
SC Wind Pool credits
5% for meeting SC Safe Home standards; other credits for mitigation measures. Details →
State income-tax credit
S.C. Code § 12-6-3660: 25% of qualifying retrofit costs, up to $1,000, for your legal residence. Ordinary repairs don't qualify. Check with a tax professional.
Ask your insurer about wind-mitigation credits
SC law requires insurers to disclose available wind-resistant construction credits at issue and every renewal (§ 38-75-755); amounts are set by each insurer.
Flood: Community Rating System
NFIP policyholders in communities that participate in FEMA's Community Rating System get automatic discounts. The Island Packet reports Beaufort County is Class 5 (25% discount). Island Packet · FEMA CRS.