This study tested a series of models predicting household expectations of participating in hurricane hazard mitigation incentive programs. Data from 599 households in Florida revealed that mitigation incentive adoption expectations were most strongly and consistently related to hazard intrusiveness and risk perception and, to a lesser extent, worry. Demographic and hazard exposure had indirect effects on mitigation incentive adoption expectations that were mediated by the psychological variables. The results also revealed differences in the factors affecting mitigation incentive adoption expectations for each of five specific incentive programs. Overall, the results suggest that hazard managers are more likely to increase participation in mitigation incentive programs if they provide messages that repeatedly (thus increasing hazard intrusiveness) remind people of the likelihood of severe negative consequences of hurricane impact (thus increasing risk perception).