Built in 2002 or later? The building code question on the wind mitigation form
Checked
Not insurance advice. General information only. Your insurer or agent decides what it needs.
Short answer: question 1 of Florida's wind mitigation form (OIR-B1-1802) asks which Florida Building Code was in force when the home's original permit was applied for. For a home built in 2002 or 2003, the form needs a permit application dated after 3/1/2002 to choose FBC 2001 & 2004; for 2007 or 2008, one dated after 12/8/2006 to choose FBC 2007 or later. OIR's policyholder notice, OIR-B1-1655, says homes built under the 2001 Florida Building Code or later are eligible for a minimum 68% discount on the hurricane-wind portion of the premium. Citizens says FBC discounts are not applied when the answer is unknown.
| Answer | What the form asks for | How Citizens treats it |
|---|---|---|
| A. FBC 2001 & 2004 | Year built; for 2002 or 2003, a permit application dated after 3/1/2002 | For 2002 or later, many mitigation features are in the base rate for the year built |
| B. FBC 2007 and later | Year built; for 2007 or 2008, a permit application dated after 12/8/2006 | No need to identify the 2007 code in its systems, but the form must still show it |
| C. SFBC-94 (HVHZ only) | Year built; for 1994 to 1996, a permit application dated after 9/1/1994 | Miami-Dade or Broward counties only |
| D. Unknown | Unknown, or doesn't meet A, B or C | FBC discounts are not applied |
From the OIR-B1-1802 (Rev. 04/26) and Citizens' Wind Loss Mitigation Guide (Rev. 04/26), section 1.
What question 1 asks
The form asks: "What version of the Florida Building Code 'FBC' (FBC 2001 & 2004 OR FBC 2007 or later) OR for homes located in the High-Velocity Hurricane Zone ('HVHZ') (Miami-Dade or Broward counties), South Florida Building Code (SFBC-94) was in force at the time of original permit application?" Each of answers A, B and C has a blank for the year built and, for the transition years, the building permit application date.
Citizens' Wind Loss Mitigation Guide says the previous form offered FBC 2001 or later, or the South Florida Building Code of 1994 for the HVHZ. It says Rev. 04/26 adds a selection for homes built under the 2007 or later code.
Why the permit date matters, not just the year built
The question turns on the code in force "at the time of original permit application." That is why the form asks for a permit application dated after 3/1/2002 for a home built in 2002 or 2003 to qualify for answer A, and one dated after 12/8/2006 for a home built in 2007 or 2008 to qualify for answer B. Answer D covers a home where the code is unknown or that does not meet the requirements of A, B or C.
Citizens' guide says there are no fields for question 1 in Citizens' systems, but a copy of the permit should be included with the inspection. Our guide to finding your permits in Palm Beach County shows where to look for the original permit.
The HVHZ answer doesn't apply in Palm Beach County
The form limits answer C, the 1994 South Florida Building Code, to the HVHZ, which it defines as Miami-Dade or Broward counties. OIR's credit table, OIR-B1-1699, defines the HVHZ the same way. Citizens' guide also describes answer C as applying to Miami-Dade or Broward counties only.
What OIR shows for 2002-and-later homes
OIR-B1-1655, the notice insurers give policyholders, has a separate page for homes built under the 2001 building code or later. It says these homes, along with homes built under the 1994 South Florida Building Code in Miami-Dade and Broward counties, "are eligible for a minimum 68% discount on the hurricane-wind portion of your premium," and that you may be eligible for a greater discount if other mitigation features are installed. It says the estimate is based on information on file and the actual amount may vary.
OIR-B1-1699 has a separate table of wind premium credits for new construction built to FBC 2001. For an enclosed home in terrain B outside the windborne debris region, with a plywood or dimensional lumber deck and no secondary water resistance, it shows:
- 100 mph: 68% with another roof shape and no opening protection, 74% with opening protection; 78% with a hip roof and no opening protection, 81% with it.
- 110 mph: 72% and 78% with another roof shape; 78% and 82% with a hip roof.
- 120 mph or more: 74% and 79% with another roof shape; 78% and 82% with a hip roof.
OIR-B1-1699 wind premium credits for new construction (FBC 2001) by FBC wind speed, rounded to whole numbers. OIR lists this form as effective October 2006 with updates pending.
For comparison, the existing-construction table in OIR-B1-1699 shows 0% for a non-hip roof with a covering not equivalent to the Florida Building Code, deck A nailing, toe nails, no secondary water resistance and no opening protection, in terrain B. OIR-B1-1655 says the discounts are not cumulative and apply only to the hurricane-wind portion of your policy. OIR's resources page says it continues to evaluate OIR-B1-1699 and OIR-B1-1655 for updates, so ask your insurer for its current figures. See how much a wind mitigation inspection saves.
What the law requires
Florida Statutes s. 627.0629(1) says credits, discounts, other rate differentials or reductions in deductibles for fixtures and construction techniques that meet the minimum requirements of the Florida Building Code must be included in residential property insurance rate filings. It also requires OIR, on or before January 1, 2025, and every 5 years after that, to reevaluate and update those construction techniques and the discounts that reflect their value.
OIR-B1-1655 also says that regardless of the year of construction, if your home meets the minimum fixture and construction requirements of the 2001 Florida Building Code, you have the option to reduce your hurricane-wind deductible. See Florida hurricane deductibles and your wind mitigation.
When Citizens may not need the form
Citizens' guide lists cases where the OIR-B1-1802 (Rev. 04/26) may not be required. One is when "the structure was built to Florida Building Code on or after January 1, 2002, and no additional wind mitigation features exist." Another is when the insured has a valid Rev. 01/12 form completed within five years.
The same guide says the form is required when an inspection is completed on or after 04/01/26, when a dwelling has been upgraded or newly built with mitigation features that exceed Florida Building Code requirements and credits are being requested, and when verification of opening protection is needed for Citizens' underwriting. For answer A, Citizens says that when the FBC minimum features are present, the matching fields in its systems are marked "Not Applicable."
Question 2: region
Question 2, new on Rev. 04/26, records the home's location by design wind speed, using ASCE 7-22 (700-year MRI), Risk Category 2. The choices are HVHZ, Region 1 (140 mph or more), Region 2 (130 to 139 mph) and Region 3 (under 130 mph). Citizens' guide says its systems have no field for region, but FBC wind speed and wind design loosely correspond. See what changed on Rev. 04/26.
Before your inspection
- Find the original permit: Citizens says a copy of the permit should be included with the inspection, and the form needs the permit application date for homes built in 2002, 2003, 2007 or 2008.
- Check the year built: our city pages show the median year homes were built from Census estimates; in Wellington and Palm Beach Gardens it is 1995.
- Gather other proof: the form says at least one photo or document must accompany it to validate each attribute marked in questions 2 through 9.
- Compare prices: our Palm Beach County prices page lists wind mitigation prices published by inspectors.
FAQ
Do homes built after 2002 get a wind mitigation discount in Florida?
OIR's policyholder notice, OIR-B1-1655, says homes built under the 2001 Florida Building Code or later are eligible for a minimum 68% discount on the hurricane-wind portion of the premium, and possibly more with other mitigation features. It says the actual amount may vary.
Why does the wind mitigation form ask for the permit application date?
Question 1 asks which code was in force at the time of original permit application. For homes built in 2002 or 2003, the form needs a permit application dated after 3/1/2002 to choose FBC 2001 & 2004, and for 2007 or 2008, one dated after 12/8/2006 to choose FBC 2007 or later.
What happens if the building code is unknown on the wind mitigation form?
Answer D is for a code that is unknown or doesn't meet the requirements of answers A, B or C. Citizens' Wind Loss Mitigation Guide says FBC discounts are not applied when D is selected.
Do I need a wind mitigation inspection if my home was built after 2002?
Citizens' guide says the OIR-B1-1802 may not be required when the structure was built to the Florida Building Code on or after January 1, 2002, and no additional wind mitigation features exist. It is required when features exceed code and credits are being requested, or when opening protection must be verified.
Does the SFBC-94 answer apply in Palm Beach County?
No. The form limits answer C, the 1994 South Florida Building Code, to the High-Velocity Hurricane Zone, which it defines as Miami-Dade or Broward counties.
Sources
- Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), questions 1 and 2 and photo requirements: floir.gov (PDF) (checked Oct 31, 2026)
- Citizens Wind Loss Mitigation Guide (Rev. 04/26), overview and sections 1 and 2: PDF (checked Oct 31, 2026)
- Florida OIR, Windstorm Mitigation Discounts; Single Family Residences, OIR-B1-1699 (new and existing construction tables): floir.gov (XLS) (checked Oct 31, 2026)
- Florida OIR, Notice of Premium Discounts for Hurricane Loss Mitigation, OIR-B1-1655 (Rev. 02/10): floir.gov (PDF) (checked Oct 31, 2026)
- Florida OIR, Wind Mitigation Resources (form list and dates): floir.gov (checked Oct 31, 2026)
- Florida Statutes s. 627.0629 (2026), residential property insurance; rate filings: leg.state.fl.us (checked Oct 31, 2026)