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Hillsborough County ยท Census-designated place

Roofing in Lutz, Florida

Part of Lutz sits in Pasco County, not Hillsborough, so the address on your deed decides which building office handles your roof permit. The community began around a Tampa Northern Railroad depot and reaches about 15 miles north of Tampa. Before you sign for work, confirm which county your property falls in.

Request a quote407-242-2840

Updated October 2026

Small open-sided wooden depot shelter with a metal roof, a sign reading Lutz, and a railroad crossbuck.
Photo: FL Lutz rebuilt depot01 by Ebyabe, CC BY-SA 4.0, cropped

At a glance

Lutz homes at a glance

People (2020 Census)
23,707
Median year homes were built
1990
Share of homes built before 1980
26.3%
Share of homes built 2010 or later
21.1%
Owner-occupied share of occupied homes
78.5%

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

Home age

Lutz homes built in 1990 and their roof ages

The median home here was built in 1990. About 66.7 percent of homes were built before 2000, and roughly 26.3 percent before 1980. That suggests many original roofs are now well past 25 years, and older roofs are where leaks tend to start.

If your roof is older than 25 years and made of shingle, Citizens Property Insurance asks for documentation showing at least five years of remaining useful life. For tile or metal roofs, the threshold is 50 years. Ask your insurer or agent what they need before a claim.

Permits and rules

Permits, the 25 percent rule and who reviews your work

For unincorporated Lutz, the Hillsborough County building office issues roof permits. Use that office's permit records page to confirm the permit and its status before work starts.

The 25 percent rule limits how much of your roof can be repaired or replaced in any 12-month period without bringing the entire roof covering up to code. A roof that was built or repaired under the 2007 Florida Building Code or any later edition needs only its repaired section brought up to the current code. Local governments may not change that exception.

December 31, 2023 is the date the Eighth Edition of the 2023 Florida Building Code went into effect. Permit applications filed on or after December 31, 2026 will have to comply with the Ninth Edition, which starts that day.

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.

Storms and rain

Storms and heavy rain that affect Lutz roofs

Tampa International Airport averages about 49.48 inches of rain a year, and roughly 61 percent of it falls June through September. Plant City, in eastern Hillsborough, averages about 56.1 inches.

In a 10-year storm, a 1-hour rain here falls at about 2.88 inches an hour, and a 24-hour total reaches about 6.82 inches. Roof drainage and flashing matter most in these events.

Lutz sits in the corridor along Tampa Bay that gets the most lightning in the United States. Over 90 percent of that rain arrives between May and October, and most of it lands between noon and midnight.

Local record

On record for Lutz

  • Water covers 9.0% of the place's total area.

Services

Roofing services in Lutz

Questions

Lutz roofing questions

What is the 25% roof rule in Florida?

The 25 percent rule limits repairs, replacements or recovers on an existing roof to no more than 25 percent of the total roof area in any 12-month period. If you go past that, the entire roof covering must be brought up to code. There is an exception for roofs built or repaired to the 2007 Florida Building Code or later, where only the repaired part must meet current code. For a ruling on your particular roof, check with the Hillsborough County building office.

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

Related: Roof replacement

What is the 25% rule for roofing?

It is the same rule under the Florida Building Code, which caps partial roof work at 25 percent of the roof area in any 12-month period in unincorporated Hillsborough County. Above that limit, the whole roof covering must meet current code. Ask the permit office how the code applies to the specifics of your roof.

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 Lutz?

For unincorporated Lutz, the Hillsborough County building office issues roof permits. Parts of Lutz extend into Pasco County, so check your property's county before applying. You can search permit records on the Hillsborough County Building Permits and Records page.

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

Related: Roof replacement

How old are most homes in Lutz?

The median home was built in 1990, and about 66.7 percent of homes were built before 2000. About 26.3 percent were built before 1980. Older roofs are more likely to need attention, and insurers may ask for proof of remaining life.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

How much rain does Lutz get?

Tampa International Airport averages about 49.48 inches a year, with roughly 61 percent falling June through September. In a 10-year storm, a 1-hour rain reaches about 2.88 inches an hour. Ask your roofer to check drainage before the rainy season.

Source: NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP, read Oct 5, 2026

Related: Roof repair

Nearby

Near Lutz

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Hillsborough County

More in Hillsborough County

Sources for this page(27)
  1. 1.Median year homes were built: 1990. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 2000: 66.7%. 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: 26.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
  5. 5.City of Tampa; City of Temple Terrace (official). Read Oct 5, 2026.
  6. 6.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP. Read Oct 5, 2026.
  7. 7.NOAA NCEI U.S. Climate Normals 1991-2020, station USC00087205 PLANT CITY. Read Oct 5, 2026.
  8. 8.NWS Melbourne, Lightning Facts and Trivia. Read Oct 5, 2026.
  9. 9.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  10. 10.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  11. 11.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  12. 12.Wikipedia, "Lutz, Florida" (secondary source). Read Oct 5, 2026.
  13. 13.People (2020 Census): 23,707. U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  14. 14.Share of homes built 2010 or later: 21.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  15. 15.Owner-occupied share of occupied homes: 78.5%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  16. 16.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  17. 17.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  18. 18.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  19. 19.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
  20. 20.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  21. 21.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  22. 22.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  23. 23.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Lutz 2020 Census internal point (28.1407, -82.4497), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  24. 24.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Lutz 2020 Census internal point (28.1407, -82.4497), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.

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