How to apply for Flagler County Home Repair Assistance (SHIP rehabilitation, roof replacement, senior barrier-free modifications) in Florida
Flagler County Health and Human Services — Housing Services (State Housing Initiatives Partnership, SHIP)
Who it's for
Flagler County Housing Services helps low- and moderate-income homeowners repair the home they live in. Owner-Occupied Rehabilitation (up to $80,000) fixes major systems such as the roof, electrical, plumbing, windows, accessibility, and wind protection. Roof Replacement (up to $25,000) helps when insurance requires a new roof, the roof leaks, or it has less than 6 years of life left. The Senior Barrier-Free Home Modification grant (up to $12,000) is for homeowners 60 and older and pays for ramps, wider doors, walk-in showers, grab bars, comfort-height toilets, and lever handles. Help is usually a deferred loan that is forgiven over time, with no monthly payments. These are not emergency repairs, and there is a wait list. Apply online year-round; call 386-586-2324, ext. 3622, for help with the application.
You must own the home, live in it, and have a homestead exemption; you cannot be in foreclosure or behind on your first mortgage. Households up to 80% of area income qualify, with priority at 50% and below. The screen here uses the 2026 one-person 80% limit ($58,450); bigger households have higher limits. There is a wait list — six months to a year is common. Help is a deferred, forgivable loan: if you sell during the lien term, the unforgiven part is repaid. The senior barrier-free grant is only for homeowners 60 and older.
People who qualify for one senior program often qualify for others. See everything you may qualify for — free, no SSN, about five minutes.
Discover my benefitsWhat you'll need
- Proof that you own the home and live in it as your main home (deed and homestead exemption)
- Proof of income and assets for every adult living in the home
- Photo ID
- For a mobile or manufactured home: proof it was built after 2007 and sits on land you own
Where to apply
Apply online: official application
By phone: 386-586-2324
What to say when you call
"Hello, I'm calling to ask about Flagler County Home Repair Assistance (SHIP rehabilitation, roof replacement, senior barrier-free modifications). I'd like to know whether I may qualify, what documents I need, and whether I can apply online, by mail, by phone, or in person. I understand I may need proof that you own the home and live in it as your main home (deed and homestead exemption), proof of income and assets for every adult living in the home, photo ID — is anything else required? What is the best next step?"
Tip: have a pen ready, ask for the person's name, and write down any case or reference number they give you.
Renewals
one-time per repair project (wait list; priority by income and special needs)
Not sure if you qualify? Run a free check first.
Discover my benefitsNot legal or financial advice. The agency makes the final eligibility decision.