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Hillsborough County ยท Census-designated place

Roofing in Apollo Beach, Florida

Apollo Beach began in the 1950s as a planned waterfront subdivision, and 1950 is the decade the Flamingo Canal went in near U.S. 41. Most roofs here are far younger than that. The median home was built in 2010, and 50.8 percent date from 2010 or later. Permits come from Hillsborough County.

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Updated October 2026

Several manatees float in calm water with a large industrial power station and palm trees behind them.
Photo: Manatees in water near Big Bend Power Station, Apollo Beach, Florida, on 21 by MatthewHoobin, CC0, cropped

At a glance

Apollo Beach homes at a glance

People (2020 Census)
26,002
Median year homes were built
2010
Share of homes built before 1980
11.4%
Share of homes built 2010 or later
50.8%
Owner-occupied share of occupied homes
85.7%

Census figures; each one is listed in the sources at the end of this page.

Housing age

How old are Apollo Beach roofs?

About half of Apollo Beach homes, 50.8 percent, were built in 2010 or later. Only 30.5 percent were built before 2000, and 11.4 percent before 1980. A newer home does not mean a newer roof, but the oldest original roofs here are mostly in that smaller older group.

Insurer rules key on roof age. If your roof is 15 years old or more, you can pay an authorized inspector to examine it, and your insurer is required to allow that inspection. It may not refuse or non-renew you solely for age if the inspection shows 5 or more years of useful life left. A roof under 15 years cannot be the sole reason for refusal.

With 85.7 percent of occupied homes owner-occupied, most roof decisions here belong to the person living under the roof. Ask your insurer or agent what your own policy says about roof age.

Repair rules

The 25 percent rule and recent code editions

Florida's 25 percent rule says you may not repair, replace or recover more than 25 percent of a roof section in any 12-month period unless the whole section is replaced or recovered. That carve-out applies to any roof built, repaired or replaced under the 2007 edition of the Florida Building Code or a newer one. After a partial repair, only that repaired section has to satisfy current code.

December 31, 2023 is when the 2023 code edition became effective. Starting December 31, 2026, the Ninth Edition governs, so any permit application submitted on or after that day has to comply with it. If your Apollo Beach roof job straddles that date, confirm the edition with the county building office.

  • Developed from the 1950s as a planned waterfront subdivision designed with roads and canals.
  • Water covers 11.7% of the place's total area.

Local rules

Permits, water and mixed housing in Apollo Beach

Apollo Beach is an unincorporated community, so Hillsborough County's building office issues roof permits here. Work has to begin within 6 months of a permit being issued or the permit expires. Likewise, a permit expires if active work sits idle for 6 months. Prior to any inspection, submit a Notice of Commencement and display a copy at the job site where it stays visible.

Tampa Bay borders the town on the west, and the original land was mangrove and low-lying. Water covers 11.7 percent of the town's area. Single-family detached homes make up 82.9 percent of housing, and mobile homes 2.9 percent. Mobile and manufactured homes follow the federal HUD code, so ask the county office which rules apply.

Building permits

Hillsborough County - Building Permits & Records (unincorporated Hillsborough County)

Official building page

Office names and links only. Fees, forms and timing change; check the official page.

Weather

Storms and rain on a Hillsborough County roof

Based on Tampa International Airport normals, the area averages 49.48 inches of rain yearly, and roughly 61 percent of that arrives between June and September. Hurricane Eta in 2020 brought up to 10.64 inches near Sun City Center and 3 to 4 feet of surge in the Tampa Bay area. Hermine in 2016 put 2 to 4 feet of water above ground along the Tampa Bay coast.

NOAA Atlas 14 puts a 100-year 24-hour rain at Apollo Beach at 11.6 inches, against 6.53 inches for a 10-year storm. Valleys, flashings and drainage matter at those rates.

Services

Roofing services in Apollo Beach

Questions

Apollo Beach roofing questions

What is the 25% roof rule in Florida?

Under the Florida Building Code, no more than 25 percent of a roof section may be repaired, replaced or recovered in a 12-month period unless the whole section is replaced or recovered. An exception applies to a roof built, repaired or replaced under the 2007 code or later. After a partial repair, only that repaired section has to satisfy current code. Contact the Hillsborough County building office to learn how these rules affect your roof in Apollo Beach.

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

Related: Roof replacement

Who issues roof permits in Apollo Beach?

Hillsborough County's building office issues permits here because Apollo Beach is unincorporated. If work fails to start within 6 months of issuance, or pauses for 6 months, the permit is void. Record a Notice of Commencement and post it on site before your first inspection.

Source: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), read Oct 5, 2026

Related: Roof replacement

Can my insurer drop me because my roof is 15 years old?

When a roof is 15 years old or older, the insurer has to permit an authorized inspector to assess it, with you covering the cost. An insurer cannot turn you down or decline renewal based only on roof age if the inspection finds at least 5 years of useful life remaining. With a median Apollo Beach home built in 2010, many roofs are likely under that line. Check with your insurer or agent about your policy.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

How much rain can an Apollo Beach roof see in a day?

NOAA Atlas 14 puts the 24-hour rainfall at Apollo Beach at 6.53 inches in a 10-year storm and 11.6 inches in a 100-year storm. Tampa International Airport averages 49.48 inches a year, about 61 percent from June through September.

Source: NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Apollo Beach 2020 Census internal point (27.7630, -82.4006), read Oct 5, 2026

Related: Roof repair

What is the new Florida code edition for roofs?

The Ninth (2026) Edition of the Florida Building Code goes into effect on December 31, 2026. Permit applications submitted on or after that date must comply with it. Effective December 31, 2023, the Eighth Edition of 2023 became the governing version. Confirm which edition governs your job with Hillsborough County.

Source: FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, read Oct 5, 2026

Related: Roof replacement

Nearby

Near Apollo Beach

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More in Hillsborough County

Sources for this page(31)
  1. 1.Share of homes built 2010 or later: 50.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 2000: 30.5%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Share of homes built before 1980: 11.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Median year homes were built: 2010. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. Read Oct 5, 2026.
  6. 6.Owner-occupied share of occupied homes: 85.7%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
  8. 8.City of Tampa; City of Temple Terrace (official). Read Oct 5, 2026.
  9. 9.Wikipedia, "Apollo Beach, Florida" (secondary source). Read Oct 5, 2026.
  10. 10.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  11. 11.Single-family detached share of housing units: 82.9%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Mobile homes, share of housing units: 2.9%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  13. 13.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  14. 14.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  15. 15.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  16. 16.NWS Melbourne, Lightning Facts and Trivia. Read Oct 5, 2026.
  17. 17.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP. Read Oct 5, 2026.
  18. 18.Wikipedia articles for each place (secondary). Read Oct 5, 2026.
  19. 19.People (2020 Census): 26,002. U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.Florida Statutes, section 627.7011 (2026), Florida Legislature. Read Oct 5, 2026.
  22. 22.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  23. 23.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  24. 24.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  25. 25.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
  26. 26.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  27. 27.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  28. 28.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  29. 29.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  30. 30.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Apollo Beach 2020 Census internal point (27.7630, -82.4006), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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