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Roofing in Temple Terrace, Florida

Temple Terrace was incorporated in 1925 as a Mediterranean-Revival golf course community, and its housing still shows that age. The median home here was built in 1982, and 86.1 percent went up before 2000. Many roofs in town are likely well past their first replacement. Permits come from the city, not the county.

Request a quote407-242-2840

Updated October 2026

A tall white tower with a red-roofed cupola stands beside a divided road lined with palm trees.
Photo: New Temple Terrace entry tower, 56th Street by Tlalock446, CC BY-SA 3.0, cropped

At a glance

Temple Terrace homes at a glance

People (2020 Census)
26,690
Median year homes were built
1982
Share of homes built before 1980
43.5%
Share of homes built 2010 or later
5.1%
Owner-occupied share of occupied homes
50.4%

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

Housing age

Roof age across Temple Terrace homes

Of the 12,079 housing units here, 43.5 percent were built before 1980. That suggests a good share of the roofs in town are older than the 15-year line insurers use. Only 5.1 percent of homes date from 2010 or later, so newer construction is a small slice.

Once a roof reaches 15 years, Florida lets you hire an authorized inspector at your own cost before an insurer demands replacement. A finding of 5 or more years of useful life bars the insurer from dropping or declining you over age alone. With so many older homes in town, ask your agent how your insurer treats this.

Permits and review

Who issues roof permits in Temple Terrace?

Temple Terrace is a municipality with its own building department or contracted provider, listed as Building and Permitting on the city site. Confirm with that office before work starts, since the listing does not say how each roof job is handled.

The Eighth Edition of Florida's building code has been in force since December 31, 2023. The Ninth Edition governs any permit application filed from December 31, 2026 onward. An application filed near that date follows the edition in force on the filing day.

The 25 percent rule matters on older homes like these. Work touching more than a quarter of one roof section within 12 months pulls in the entire section. The exception covers only roofs built or redone under the 2007 code or later.

Building permits

City of Temple Terrace - Building and Permitting

Official building page

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

Historic homes

Does the historic preservation program touch your roof?

City Council adopted Ordinance 1550 on August 15, 2023 to run a historic preservation program. The city cites significant historic structures going back to the 1920s. If your home is that old, ask the Historic Preservation Office whether exterior roof work needs review before you sign anything.

Next door, Tampa requires a Certificate of Appropriateness for exterior repairs in its historic districts. Temple Terrace adopted its own program in 2023, so confirm its steps with the city.

  • Incorporated in 1925 and originally planned in the 1920s as a Mediterranean-Revival golf course community; known for its rolling landscape, Hillsborough River views and sand live oak trees.
  • City Council adopted Ordinance 1550 on August 15, 2023 to run a historic preservation program; the City cites significant historic structures going back to the 1920s.

Local weather

What rain and storms hit this part of Hillsborough County?

Tampa International Airport normals show 49.48 inches of rain a year, about 61 percent of it June through September. A 10-year storm here drops 6.5 inches in 24 hours, and a 100-year storm 11.7 inches.

Eta in 2020 pushed 3.8 feet of surge into the Hillsborough River gauge in Tampa, and rain reached 10.64 inches in the south of the county. The Tampa Bay corridor also gets the most lightning in the country, mostly May through October.

Services

Roofing services in Temple Terrace

Questions

Temple Terrace roofing questions

Do roofers need a contractor license in Temple Terrace?

Yes. Florida law defines roofing contractor work as all kinds of roofing, waterproofing and coating meant to protect or repair a roof. A general, building or residential contractor must subcontract roofing unless that contractor also holds a roofing certificate or registration. Check any contractor's license with the state before signing, and ask Temple Terrace Building and Permitting about the permit.

Source: Fla. Stat. 489.105(3)(e), read Oct 5, 2026

Related: Roof replacement

Is a roof on a home built around the 1982 median too old for insurance?

Age alone is not the test. The median home here was built in 1982, so many roofs are likely past 15 years. At that age you may have an authorized inspector check the roof at your expense. A result of 5 or more years of useful life stops the insurer from refusing or non-renewing over age alone. Confirm details with your insurer or agent.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

How much of my roof can I repair before the whole roof must be replaced?

No more than 25 percent of a roof section may be repaired within any 12-month window. Once that threshold is crossed, the entire roof section has to be replaced or recovered. An exception applies if the existing roof was built, repaired or replaced under the 2007 Florida Building Code or later, which took effect March 1, 2009. Ask Temple Terrace Building and Permitting how it applies to your roof.

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

Related: Roof replacement

Does Temple Terrace have a historic review for roofs?

The city adopted Ordinance 1550 on August 15, 2023 to run a historic preservation program, and it cites significant historic structures going back to the 1920s. Whether your home is covered is a question for the city's Historic Preservation Office. Ask before you pick a roofing material or sign a contract.

Source: City of Temple Terrace, Historic Preservation Office (official), read Oct 5, 2026

Related: Roof replacement

What should I know about the Notice of Commencement on a roof job?

Florida's building code requires the permit card to warn you that skipping the Notice of Commencement may mean paying twice for the improvements. A record of the work must be logged and displayed at the site before the first inspection takes place. Ask Temple Terrace Building and Permitting what it needs before inspections begin.

Source: Florida Statutes, section 713.135 (2026), read Oct 5, 2026

Related: Roof replacement

Nearby

Near Temple Terrace

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Hillsborough County

More in Hillsborough County

Sources for this page(30)
  1. 1.Housing units (ACS 5-year): 12,079. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25001, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 43.5%. 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 2010 or later: 5.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. Read Oct 5, 2026.
  5. 5.Share of homes built before 2000: 86.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Permit office: City of Temple Terrace - Building and Permitting. City of Temple Terrace - Building and Permitting. Read Oct 10, 2026.
  7. 7.City of Temple Terrace, Historic Preservation Office (official). Read Oct 5, 2026.
  8. 8.City of Tampa; City of Temple Terrace (official). Read Oct 5, 2026.
  9. 9.Median year homes were built: 1982. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Wikipedia, "Temple Terrace, Florida" (secondary source). Read Oct 5, 2026.
  11. 11.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP. Read Oct 5, 2026.
  12. 12.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  13. 13.NWS Melbourne, Lightning Facts and Trivia. Read Oct 5, 2026.
  14. 14.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  15. 15.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  16. 16.People (2020 Census): 26,690. U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  17. 17.Owner-occupied share of occupied homes: 50.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  18. 18.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.
  19. 19.Florida Statutes, section 627.7011 (2026), Florida Legislature. Read Oct 4, 2026.
  20. 20.City of Temple Terrace - Building and Permitting, City of Temple Terrace. 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. 23.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  24. 24.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Temple Terrace 2020 Census internal point (28.0452, -82.3779), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.Fla. Stat. 489.105(3)(e), Florida Legislature. Read Oct 5, 2026.
  29. 29.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  30. 30.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.

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