The Florida Wind Mitigation Discount, Feature by Feature
Florida publishes exactly one statewide discount number. Everything else on the OIR-B1-1802 form is set insurer by insurer. Here is the real number, what qualifies for credit on every other question, and a checker that tells you which features your home shows signs of qualifying for, honestly, with no invented total.
The one number Florida actually publishes
Homes built to the 2001 Florida Building Code or later, including the 1994 South Florida Building Code in Miami-Dade and Broward, are automatically eligible for a minimum 68% discount on the windstorm portion of the premium, per the Florida Department of Financial Services' Premium Discounts for Hurricane Loss Mitigation guide. That is the only statewide percentage published anywhere in this niche. Everything below it is real, sourced, and structural, but it is deliberately not turned into a second invented number.
Why there is no calculator that sums to a dollar figure
Florida Statute 627.0629 requires every residential insurer to offer “actuarially reasonable discounts, credits, or other rate differentials” for wind-resistant construction, but it does not set one statewide rate. Each insurer files its own discount table with the Office of Insurance Regulation. The DFS consumer guide says this directly: “The amount of the discount will vary based on the wind mitigation features incorporated into your home. Your insurance agent and/or insurance company should be able to inform you how much of a discount you may expect.” Citizens Property Insurance's own public discounts page lists the same feature categories with no percentages attached, for the same reason. A tool that added up percentages per feature to produce “your estimated savings: $X” would have to invent every number except the one above. We are not going to do that. What we can do honestly is show you which named features your home has, in the order the state's own inspection form scores them.
The credit reference table
This is every question on the OIR-B1-1802 form, the state's own Uniform Mitigation Verification Inspection Form, with what qualifies for credit on each one and why. Read the full walkthrough on OIR-B1-1802 explained, question by question for the statutory detail behind each row.
| Question | Feature | What qualifies | Published discount |
|---|---|---|---|
| Q1 | Building code compliance | 2001 Florida Building Code or later (permit dated on or after March 1, 2002), or the 1994 South Florida Building Code for Miami-Dade and Broward (permit dated on or after September 1, 1994) | Minimum 68% off the windstorm portion of the premium, automatically. The only statewide figure published. |
| Q2 | Roof covering | A roof covering with a valid Florida Building Code or Miami-Dade product approval number, a qualifying permit date, or installed 2004 or later | Set by each insurer's own filed rate table. Not published statewide. |
| Q3 | Roof-deck attachment | Graded on the weakest fastening found in the attic, from staples/widely-spaced nails up to 8d nails at 6-inch spacing or reinforced concrete decking | Set by each insurer's own filed rate table. Not published statewide. |
| Q4 | Roof-to-wall connection | Graded on the weakest connection found in the attic: toe nails (weakest), then clips, single wraps, double wraps, or a structural connection such as anchor bolts (strongest) | Set by each insurer's own filed rate table. Not published statewide. |
| Q5 | Roof shape | A hip roof, sloped on all four sides with no more than 10% of the perimeter in another shape, is the strongest-scoring shape | Set by each insurer's own filed rate table. Not published statewide. |
| Q6 | Secondary water resistance | A sealed, self-adhering membrane or foam barrier under the roof covering. Standard felt underlayment does not qualify | Set by each insurer's own filed rate table. Not published statewide. |
| Q7 | Opening protection | Every window, entry door, garage door and skylight rated against impact and cyclic pressure. Graded on the weakest opening on the home, not an average | Set by each insurer's own filed rate table. Not published statewide. Described elsewhere as usually the largest single credit after code compliance. |
Sourced from the Florida DFS consumer guide, the OIR-B1-1802 form (Rev. 01/12), and Florida Statute 627.0629. Florida's Office of Insurance Regulation adopted a revised OIR-B1-1802 (Rev. 04/26), effective April 1, 2026, with expanded documentation requirements on several of these questions; the feature categories and scoring logic above are unchanged, but ask your inspector which form revision applies to your inspection date.
Check which features your home may qualify for
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Frequently asked
Is there a Florida wind mitigation discount calculator that gives me a dollar amount?
Not one that would be honest. Florida's Department of Financial Services publishes exactly one statewide figure, the minimum 68% discount on the windstorm portion of the premium for homes that meet the 2001 Florida Building Code (or the 1994 South Florida Building Code in Miami-Dade and Broward). For every other feature, the same guide states the amount "will vary" by insurer and directs homeowners to their agent. A tool that summed these into one number would be inventing a figure nobody has published.
Source: Florida Department of Financial Services, Premium Discounts for Hurricane Loss Mitigation.
Why doesn't the state publish a percentage for each feature?
Because Florida Statute 627.0629 requires insurers to offer "actuarially reasonable" discounts for these features, but lets each insurer set its own exact rate table rather than mandating one statewide schedule. Citizens Property Insurance's own public discounts page names the same features without listing amounts, for the same reason.
Source: Florida Statute 627.0629 and Citizens Property Insurance, discounts page.