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Re-roofs ยท Malabar

Roof replacement in Malabar, FL

Malabar's housing stock is young compared with much of Florida, yet the Census Bureau puts the median build year at 1993, with a margin of plus or minus 5 years. Roofs installed during that decade are reaching ages where insurers and inspectors start paying closer attention. A replacement here is shaped by the house's age, the Town of Malabar permit portal, and several Florida rules that apply statewide.

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Updated October 2026

A single-story house sits amid standing floodwater with tall pines and palms under an overcast sky.
Drone view of a single-story home mid re-roof: part of the roof stripped to white synthetic underlayment, the rest still in gray shingles, a dump trailer of debris and a pickup in the driveway.Our work
Photo: FEMA - Flooded neighborhood in Central Florida by Barry Bahler, Public domain, cropped

Malabar figures this page uses

Share of homes built before 1980
16.9%
Share of homes built 2010 or later
21.5%
Median year homes were built
1993
Owner-occupied share of occupied homes
98.8%

Roof age in Malabar

Why most Malabar roofs are reaching replacement age

About 16.9 percent of Malabar's homes were built before 1980, and 21.5 percent were built in 2010 or later. The rest fall in between, which means the largest group of roofs went on in the 1990s. Roofs from that decade are likely to be near the end of a typical shingle life, so a replacement is a realistic plan for many owners.

Malabar's housing is also almost entirely owner-occupied, at 98.8 percent, and 98.9 percent of units are single-family detached homes. Owners who live in these houses usually make the replacement decision themselves, so it helps to know the age of your roof before you call anyone.

Permit and code

Malabar's permit portal and the 25 percent limit

Any re-roof in Malabar runs through the Town of Malabar building permit portal. Only the portal link was verified on townofmalabar.org, so confirm current requirements and the inspection schedule with the building office before you start.

Florida's 25 percent rule caps how much of a roof can be redone in any 12-month period before the whole covering must be replaced. If your existing roof was built, repaired or replaced to the 2007 Florida Building Code or a later edition, only the portion you touch must meet the current code, and a local government cannot amend that exception.

Weather and roofs

Storms and rain that affect Malabar roofs

Malabar sits in Brevard County, where Hurricane Matthew in 2016 produced peak gusts of 70 mph at Melbourne International and damage that generally involved roof shingles. Irma followed in 2017, and the county counted over 7,132 damaged homes. Roofs of the age found in Malabar are the kind most likely to show wear after storms like these.

Water covers 19.4 percent of Malabar's total area, so rain and humidity are part of daily life here. Confirm your roof's wind design speed for your address with the Brevard County wind speed maps before you choose materials.

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Questions

Roof replacement in Malabar: questions

How old is a typical house in Malabar?

The median home in Malabar was built in 1993, based on the Census Bureau's 2020 to 2024 five-year estimates, with a margin of error of plus or minus 5 years. Countywide, the median is 1988. Many homes here are therefore in their third decade, and their original roofs may be reaching the end of their expected life.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035, read Oct 5, 2026

Related: Roof replacement

Do I need a permit to replace my roof in Malabar?

Replacing a roof in Malabar requires a permit from the Town of Malabar building permit portal. The portal link was verified on the town's website, but the building department page itself was not read. Confirm the current rules and inspection steps with the Town of Malabar building office before work begins.

Source: Town of Malabar building permit portal, read Oct 5, 2026

Related: Roof replacement

What does the 25 percent rule mean for my Malabar roof?

The 25 percent rule says that once more than 25 percent of your roof area is repaired, replaced or recovered in any 12-month period, the entire roof covering must be replaced. A roof built, repaired or replaced to the 2007 Florida Building Code or a later edition changes that outcome, because only the portion you touch must meet current code. Check your roof's build date with the permit office.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof replacement

Will my insurer require a roof inspection in Malabar?

For a roof 15 years or older, Florida law lets the homeowner have an authorized inspector check it, at the homeowner's expense. An insurer cannot refuse or non-renew a policy solely for roof age when that inspection shows 5 or more years of useful life left. With Malabar's median build year at 1993, many roofs here sit near that line. Ask your insurance agent how your policy applies.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Related: Roof replacement

Nearby

Roof replacement near Malabar

Sources for this page(28)
  1. 1.Share of homes built before 1980: 16.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built 2010 or later: 21.5%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  3. 3.Median year homes were built: 1993. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, tables B25034/B25035. Read Oct 5, 2026.
  6. 6.Owner-occupied share of occupied homes: 98.8%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Single-family detached share of housing units: 98.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Permit office: Town of Malabar building permit portal. Town of Malabar building permit portal. Read Oct 10, 2026.
  9. 9.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  10. 10.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  11. 11.Brevard County, Building Code Wind Speed Maps. Read Oct 5, 2026.
  12. 12.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  13. 13.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  14. 14.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  15. 15.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  16. 16.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  17. 17.Town of Malabar building permit portal, malabarfl.portal.iworq.net. Read Oct 5, 2026.
  18. 18.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  19. 19.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  22. 22.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  23. 23.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  24. 24.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Dorian (2019), National Weather Service. Read Oct 5, 2026.
  25. 25.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  26. 26.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Malabar 2020 Census internal point (27.9871, -80.5825), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  27. 27.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Malabar 2020 Census internal point (27.9871, -80.5825), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof replacement in Malabar

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