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Roofing in Umatilla, Florida

Umatilla is known as the Gateway to the Ocala National Forest, in northern Lake County. Roofing in Umatilla, FL means older houses at the forest's edge: the city counted 3,685 people in 2020, its median resident is 47.7, and most of its homes went up before Florida had a statewide building code.

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Updated October 2026

Drone view of a single-story home with a brown-gray shingle roof and box vents under large oak trees, a metal carport roof in one corner

At a glance

Umatilla homes at a glance

People (2020 Census)
3,685
Median age
47.7yrs
Median year homes were built
1986
Share of homes built before 2000
64.3%
Share of homes built 2010 or later
20.6%
Owner-occupied share of occupied homes
68.8%

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

Your roof

What a 1986 median build year means for Umatilla roofs

The Census Bureau's 2020–2024 survey puts the median Umatilla home's construction year at 1986, against 1997 for Lake County. 64.3% of the city's 1,921 homes were built before 2000, and only 20.6% in 2010 or later.

Those older houses were framed before Florida's first statewide code took effect on March 1, 2002, a code adopted after Hurricane Andrew showed the old patchwork of local rules falling short. NRCA puts the useful life of most new roofs at about 20 years, so a house that old has likely been re-roofed at least once, and the date of that re-roof decides a lot. A roof replaced under the 2007 code or later, from March 2009 on, is treated differently when it needs a big repair.

For insurance, a roof's age runs from its last full replacement, not from the house. That matters here because Citizens requires a 4-point inspection on applications for homes over 20 years old, which takes in nearly every pre-2000 house in town, and roofs past 15 years lose Florida's protection against refusals based on age alone.

68.8% of occupied homes are owner-occupied, under the county's 77.6%, so landlords make a larger share of the roof calls here. Mobile homes are 6.7% of the housing, against 16.3% countywide.

Local rules

Permits and the forest edge

Umatilla handles its own building permits through the City of Umatilla Development & Public Services, which takes applications on an online Building Permit Portal. Each of Lake County's 14 municipalities runs its own permitting, so the county's building office is not the stop for city addresses.

Being the Gateway to the Ocala National Forest shapes upkeep, too. Homes near woods and big oaks catch leaves, needles and pollen: UF/IFAS lists live oak litter as a known problem and puts the heaviest pine-needle fall from September through November. Clear gutters and clean valleys keep water moving on these roofs.

Storm record

Storms that crossed north Lake County

Irma in 2017 dropped 11.03 inches on a Lady Lake gauge and gusted to 60 knots at Leesburg, and FEMA's declaration for it covered Lake County households. Hermine in 2016 spun up two EF-0 tornadoes in the county, one near Fruitland Park and Lady Lake that damaged homes and brought down trees and power lines.

Milton in 2024 put 8.26 inches on a gauge south of Lady Lake and 8.55 on one in Tavares, with a 72-knot gust at Leesburg. Federal reviews of recent Florida hurricanes found hips and ridges took the most roof damage; near a forest, add falling limbs to the list.

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Permits

Roof permits for Umatilla

Building permits

City of Umatilla Development & Public Services (building permits)

Official building page

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

Services

Roofing services in Umatilla

Questions

Umatilla roofing questions

Where do I get a roof permit in Umatilla?

From the City of Umatilla Development & Public Services, through its online Building Permit Portal. Lake County's 14 municipalities each run their own permitting, so city addresses do not go through the county. Re-roofs skip plan review under the Florida Building Code but get two inspections: sheathing or dry-in while the deck is open, and a final roofing inspection. Small repairs can go without a permit only if the building official agrees they are ordinary and minor.

Source: City of Umatilla permit page.

Related: Roof replacement

Can my insurer drop me because my Umatilla roof is old?

Not for age alone while the roof is under 15. Florida law bars an insurer from refusing to issue or renew a homeowner's policy solely because the roof is younger than 15 years. For an older roof, the insurer must let you hire an authorized inspector first, and a finding of five or more years of useful life left keeps age alone from being the reason. In a city where the median house dates from 1986, roof age is the number to know; ask your agent how your carrier applies the rule.

Source: Fla. Stat. 627.7011(5).

Do trees near Umatilla homes change roof and gutter upkeep?

Yes, mostly the timing. UF/IFAS says live oaks shed leaves and fruit that make a litter problem, pine needles fall heaviest from September through November, and pollen runs January through June with a March and April peak. A Florida home insurer's guidance is to clean gutters at least twice a year and more often under overhanging trees. With the Ocala National Forest at the city's doorstep, plan a spring cleaning before summer rain and another after the autumn needle drop.

Source: UF/IFAS publications.

Related: Gutters

How much rain should a roof in Umatilla be ready for?

Bursts above 9 inches an hour and storm totals of 8 to 11 inches. NOAA Atlas 14 puts a 10-year, 5-minute rain at Umatilla's point at 9.28 inches an hour and a 100-year one at 12.8. Irma left 11.03 inches at a Lady Lake gauge in 2017, and NOAA's normals give the county's Leesburg station 43.78 inches a year. Flashing, valleys and gutters carry that water, so they are where an aging roof tends to show it first.

Source: NOAA Atlas 14 and NCEI.

Related: Gutters

Nearby

Near Umatilla

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Lake County

More in Lake County

Sources for this page(83)
  1. 1.Median year homes were built: 1986. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  2. 2.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  3. 3.Median year homes were built: 1997. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  4. 4.Share of homes built before 2000: 64.3%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  5. 5.Housing units (ACS 5-year): 1,921. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Share of homes built 2010 or later: 20.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Owner-occupied share of occupied homes: 68.8%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API. Read Oct 5, 2026.
  8. 8.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API. Read Oct 5, 2026.
  9. 9.Owner-occupied share of occupied homes: 77.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API. Read Oct 5, 2026.
  10. 10.Mobile homes, share of housing units: 6.7%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API. Read Oct 5, 2026.
  11. 11.Mobile homes, share of housing units: 16.3%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API. Read Oct 5, 2026.
  12. 12.Permit office: City of Umatilla Development & Public Services (building permits). City of Umatilla Development & Public Services (building permits). Read Oct 5, 2026.
  13. 13.Official city building pages listed in each city's permitOffice. Read Oct 5, 2026.
  14. 14.Wikipedia, "Umatilla, Florida" (revision 1367878838). Read Oct 5, 2026.
  15. 15.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  16. 16.Hurricane Irma (2017). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337. Read Oct 5, 2026.
  17. 17.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine (AL092016). Read Oct 5, 2026.
  18. 18.Hurricane Milton (2024). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  19. 19.NOAA NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service. Read Oct 5, 2026.
  20. 20.People (2020 Census): 3,685. U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer. Read Oct 5, 2026.
  21. 21.Median age: 47.7. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API. Read Oct 5, 2026.
  22. 22.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the 2020 Census internal point of Umatilla (TIGERweb 2020 incorporated place internal point (INTPTLAT/INTPTLON), GEOID 1273025, Umatilla city), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute 10/25/100-yr intensities 9.28/10.7/12.8 in/hr; 60-minute 2/10/25/100-yr 2.1/2.85/3.3/3.97 in/hr
  23. 23.City of Umatilla Development & Public Services (building permits) (official page), City of Umatilla Development & Public Services (building permits). Read Oct 5, 2026. Official page fetched 2026-10-05: Development and Public Services Building Permit Portal for building permit applications.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.FBC-B 2023 Ch. 1, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RR-08; Supports RR-09; Supports RR-10; Supports FS-553.844(5); Supports RR-18
  26. 26.Florida Statutes, section 627.7011 (2026), Florida Legislature. Read Oct 4, 2026. Supports FS-627.7011(5); Supports RM-15; Supports IN-02; Supports IN-04; Supports IN-03
  27. 27.ask.ifas.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-14
  28. 28.blogs.ifas.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-15
  29. 29.ufdcimages.uflib.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-16
  30. 30.thig.com, Tower Hill Insurance Group. Read Oct 5, 2026. Supports G-17
  31. 31.National Roofing Contractors Association, National Roofing Contractors Association. Read Oct 5, 2026. Supports C-16
  32. 32.Florida Statutes, section 489.105 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-11
  33. 33.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, Florida Roofing and Sheet Metal Contractors Association. Read Oct 5, 2026. Supports C-1
  34. 34.Miami-Dade County RER notice, Miami-Dade County. Read Oct 5, 2026. Supports C-2; Supports NC-10
  35. 35.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  36. 36.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  37. 37.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  38. 38.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  39. 39.Senate SB 808 staff analysis pp. 3-4, The Florida Senate. Read Oct 5, 2026. Supports RR-05
  40. 40.FBCR Ch. 9, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RR-20; Supports RR-19; Supports RR-24; Supports RR-28; Supports RR-29; Supports RM-14; Supports RR-35; Supports RM-07; Supports RR-36; Supports RR-37
  41. 41.Fla. Stat. 553.844, Florida Legislature. Read Oct 4, 2026. Supports RR-32
  42. 42.Florida Statutes, section 489.147 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-44; Supports RR-45
  43. 43.ARMA Technical Bulletin "Algae Discoloration of Roofs", revised June 2024, ARMA (Asphalt Roofing Manufacturers Association). Read Oct 5, 2026. Supports RM-10; Supports RM-12
  44. 44.Owens Corning, Owens Corning. Read Oct 5, 2026. Supports RM-11
  45. 45.Florida Statutes, section 627.70132 (2026), Florida Legislature. Read Oct 4, 2026. Supports RM-18
  46. 46.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance Corporation. Read Oct 4, 2026. Supports CITIZENS-25-50; Supports IN-06
  47. 47.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337, FEMA. Read Oct 5, 2026.
  48. 48.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673, FEMA. Read Oct 5, 2026.
  49. 49.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4680, FEMA. Read Oct 5, 2026.
  50. 50.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834, FEMA. Read Oct 5, 2026.
  51. 51.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024), NOAA National Hurricane Center. Read Oct 5, 2026.
  52. 52.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission. Read Oct 5, 2026. Supports RR-04
  53. 53.ICC Building Safety Journal, Karl Fippinger, 2024-02-07, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RM-04
  54. 54.FEMA FL-RA2, FEMA. Read Oct 5, 2026. Supports RM-01; Supports RM-02; Supports NC-12
  55. 55.Florida Statutes, section 627.711 (2026), Florida Legislature. Read Oct 4, 2026. Supports IN-12; Supports IN-13
  56. 56.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  57. 57.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  58. 58.Insp4pt 03 25, Citizens Property Insurance Corporation. Read Oct 4, 2026. Supports IN-08
  59. 59.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), Florida Office of Insurance Regulation. Read Oct 4, 2026. Supports OIR-B1-1802; Supports IN-15; Supports RR-26; Supports RR-34; Supports IN-14
  60. 60.Florida Statutes, section 718.112 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-718.112(2)(g); Supports COM-32
  61. 61.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports COM-23. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-27. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-22 (the research cites it "as COM-22").; Supports COM-1. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-18. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-3. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-9. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-22. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-14. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").
  62. 62.Professional Roofing magazine (NRCA). Read Oct 5, 2026. Supports COM-26
  63. 63.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports C-15. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-3 (the research cites it "as C-3").; Supports NC-1. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-3 (the research cites it "as C-3").
  64. 64.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer, U.S. Census Bureau. Read Oct 5, 2026.
  65. 65.2023 Florida Building Code, Plumbing, 8th ed., Chapter 11 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports COM-21. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-20 (the research cites it "as COM-20").; Supports G-5. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-20 (the research cites it "as COM-20").
  66. 66.2023 Florida Building Code, Residential, 8th ed., Chapter 9 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports COM-29. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports NC-5. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-29 (the research cites it "as COM-29").; Supports G-10. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-29 (the research cites it "as COM-29").
  67. 67.FBC-Building 2023 Chapter 2 definitions, UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports C-4. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  68. 68.2023 Florida Building Code, Residential, 8th ed., Chapter 3 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports NC-11. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports FBC-R318.5. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  69. 69.Florida Statutes, section 553.837 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-553.837; Supports NC-9
  70. 70.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  71. 71.U.S. Census Bureau ACS 2020-2024 5-year, table B25035, via Census Reporter, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  72. 72.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01003 (Total Population), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  73. 73.2023 Florida Building Code, Residential, 8th ed., Chapter 8 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports NC-2. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports G-23. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from NC-2 (the research cites it "as NC-2").
  74. 74.FBCR Ch. 8, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RR-21
  75. 75.Florida Statutes, section 489.113 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-489.113(3)
  76. 76.consumerreports.org, Consumer Reports. Read Oct 5, 2026. Supports G-13
  77. 77.Gutterall 6K hanger, Gutterall. Read Oct 5, 2026. Supports G-19
  78. 78.NOAA Atlas 14 (HDSC Precipitation Frequency Data Server), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. Supports G-1; Supports G-4a
  79. 79.NOAA National Centers for Environmental Information, NOAA National Centers for Environmental Information. Read Oct 5, 2026. Supports G-2
  80. 80.bergerbp.com, Berger Building Products. Read Oct 5, 2026. Supports G-6
  81. 81.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  82. 82.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  83. 83.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine (AL092016), NOAA National Hurricane Center. Read Oct 5, 2026.

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