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New construction · Umatilla

New construction roofing in Umatilla, FL

Umatilla is growing slowly: 3,685 people at the 2020 Census and an estimated 3,854 in the Census Bureau's 2020–2024 survey. New construction roofing in Umatilla follows the Florida Building Code edition in force when the permit is filed, and the next edition arrives on December 31, 2026.

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Updated October 2026

A roof deck sheathed in red-brown ZIP System panels with black seam tape, a bucket and a ladder on the deck, homes and a street behind.

Umatilla figures this page uses

Share of homes built 2010 or later
20.6%
Housing units (ACS 5-year)
1,921
People (2020 Census)
3,685
Population estimate (ACS 5-year)
3,854

Local know-how

Building new near the Ocala National Forest

New houses are a small share of Umatilla: 20.6% of its 1,921 homes date from 2010 or later, against 21.5% for Lake County. Much of the county's newer building sits to the south, where the median house in Groveland dates from 2010.

Whatever the lot, the code clock is the same. The Eighth Edition has applied since December 31, 2023, and applications submitted on or after December 31, 2026 must meet the Ninth. The City of Umatilla Development & Public Services takes the application through its portal.

At the Gateway to the Ocala National Forest, think about what the roof and gutters will collect. UF/IFAS describes live oak litter as a problem and puts peak pine-needle fall in autumn; on a new house, gutter sizing and valley layout are easier to get right before the roof goes on.

Florida code

The roof inspections on a new Umatilla house

Florida's code lists them in sequence: framing once trusses, bracing and connectors are in, sheathing with or before the dry-in, then a roofing inspection of dry-in, insulation, coverings and flashing.

Sheathing goes down with ring-shank nails, RSRS-03 as the standard size, and the nail spacing tightens from 6 inches to 4 and then 3 at the edges as design wind speed and exposure rise. Tile roofs follow the maker's instructions or the FRSA/TRI high-wind tile manual, seventh edition, over solid sheathing.

Soffits deserve attention on a new house. FEMA found them a weak point in Hurricane Michael, and the 2007 code began requiring them to resist the same wind loads as walls.

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Questions

New construction roofing in Umatilla: questions

Does a new Umatilla house need gutters?

Only if its eaves are short. Florida's residential code requires gutters and downspouts where eaves project less than 6 inches, except at gable rakes or a roof that drains onto another, with downspouts discharging at least a foot from the wall. On deeper eaves they are optional. Near the Ocala National Forest, where leaf and needle litter is part of life, settle the gutter size and any guard plan before the roof goes on so the drip edge and fascia line up.

Source: FBC-R 2023, R318.5.

Related: Gutters

If my new Umatilla roof leaks in year one, what does Florida law say?

It gives you a year to hold the builder to the code. Under Fla. Stat. 553.837, a builder must warrant a new home for one year from title transfer or first occupancy, whichever comes first, against defects in equipment, material or workmanship that materially violate the Florida Building Code. Wear and tear, settling, damage the owner caused and acts of God such as natural disasters fall outside it. Put the problem to the builder in writing; 20.6% of Umatilla's homes date from 2010 or later, so plenty of neighbors have been through that first year.

Source: Fla. Stat. 553.837.

Related: FAQ

Who permits a new house in Umatilla?

The City of Umatilla Development & Public Services, through its online Building Permit Portal. Each of Lake County's 14 municipalities runs its own permitting, while unincorporated land goes to the county's Office of Building Services. The roof on a new house is inspected at framing, at sheathing and dry-in, and at the final roofing stage. Applications filed on or after December 31, 2026 fall under the Ninth Edition of the code.

Source: City of Umatilla permit page.

Related: New construction roofing

Nearby

New construction roofing near Umatilla

Sources for this page(75)
  1. 1.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.
  2. 2.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.
  3. 3.Share of homes built 2010 or later: 21.5%. 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.
  4. 4.U.S. Census Bureau ACS 2020-2024 5-year, table B25035, via Census Reporter. Read Oct 5, 2026.
  5. 5.Permit office: City of Umatilla Development & Public Services (building permits). City of Umatilla Development & Public Services (building permits). Read Oct 5, 2026.
  6. 6.Wikipedia, "Umatilla, Florida" (revision 1367878838). Read Oct 5, 2026.
  7. 7.Official city building pages listed in each city's permitOffice. Read Oct 5, 2026.
  8. 8.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.
  9. 9.Population estimate (ACS 5-year): 3,854. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01003 (Total Population), via Census Reporter API. Read Oct 5, 2026.
  10. 10.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  11. 11.Miami-Dade County RER notice. Read Oct 5, 2026.
  12. 12.ask.ifas.ufl.edu. Read Oct 5, 2026.
  13. 13.ufdcimages.uflib.ufl.edu. Read Oct 5, 2026.
  14. 14.2023 Florida Building Code, Building, 8th ed., Chapter 1 (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). Source URL inherited from C-3 (the research cites it "as C-3").
  15. 15.2023 Florida Building Code, Residential, 8th ed., Chapter 8 (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).
  16. 16.FBCR Ch. 8. Read Oct 5, 2026.
  17. 17.2023 Florida Building Code, Residential, 8th ed., Chapter 9 (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). Source URL inherited from COM-29 (the research cites it "as COM-29").
  18. 18.Florida Statutes, section 489.113 (2026). Read Oct 5, 2026.
  19. 19.FEMA. Read Oct 5, 2026.
  20. 20.2023 Florida Building Code, Residential, 8th ed., Chapter 3 (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).
  21. 21.2023 Florida Building Code, Residential, 8th ed., R318.5 (UpCodes viewer, unofficial transcription); FBC-Building 1503.7. Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  22. 22.Florida Statutes, section 553.837 (2026). Read Oct 5, 2026.
  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.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.
  25. 25.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.
  26. 26.FEMA FL-RA2, FEMA. Read Oct 5, 2026. Supports RM-01; Supports RM-02; Supports NC-12
  27. 27.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer, U.S. Census Bureau. Read Oct 5, 2026.
  28. 28.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.
  29. 29.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.
  30. 30.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
  31. 31.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.
  32. 32.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  33. 33.NOAA NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  34. 34.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
  35. 35.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
  36. 36.blogs.ifas.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-15
  37. 37.thig.com, Tower Hill Insurance Group. Read Oct 5, 2026. Supports G-17
  38. 38.National Roofing Contractors Association, National Roofing Contractors Association. Read Oct 5, 2026. Supports C-16
  39. 39.Florida Statutes, section 489.105 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-11
  40. 40.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.
  41. 41.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.
  42. 42.Senate SB 808 staff analysis pp. 3-4, The Florida Senate. Read Oct 5, 2026. Supports RR-05
  43. 43.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
  44. 44.Fla. Stat. 553.844, Florida Legislature. Read Oct 4, 2026. Supports RR-32
  45. 45.Florida Statutes, section 489.147 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-44; Supports RR-45
  46. 46.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
  47. 47.Owens Corning, Owens Corning. Read Oct 5, 2026. Supports RM-11
  48. 48.Florida Statutes, section 627.70132 (2026), Florida Legislature. Read Oct 4, 2026. Supports RM-18
  49. 49.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
  50. 50.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337, FEMA. Read Oct 5, 2026.
  51. 51.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673, FEMA. Read Oct 5, 2026.
  52. 52.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4680, FEMA. Read Oct 5, 2026.
  53. 53.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834, FEMA. Read Oct 5, 2026.
  54. 54.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024), NOAA National Hurricane Center. Read Oct 5, 2026.
  55. 55.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission. Read Oct 5, 2026. Supports RR-04
  56. 56.ICC Building Safety Journal, Karl Fippinger, 2024-02-07, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RM-04
  57. 57.Florida Statutes, section 627.711 (2026), Florida Legislature. Read Oct 4, 2026. Supports IN-12; Supports IN-13
  58. 58.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.
  59. 59.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.
  60. 60.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.
  61. 61.Insp4pt 03 25, Citizens Property Insurance Corporation. Read Oct 4, 2026. Supports IN-08
  62. 62.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
  63. 63.Florida Statutes, section 718.112 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-718.112(2)(g); Supports COM-32
  64. 64.2023 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").
  65. 65.Professional Roofing magazine (NRCA). Read Oct 5, 2026. Supports COM-26
  66. 66.2023 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").
  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.consumerreports.org, Consumer Reports. Read Oct 5, 2026. Supports G-13
  69. 69.Gutterall 6K hanger, Gutterall. Read Oct 5, 2026. Supports G-19
  70. 70.NOAA Atlas 14 (HDSC Precipitation Frequency Data Server), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. Supports G-1; Supports G-4a
  71. 71.NOAA National Centers for Environmental Information, NOAA National Centers for Environmental Information. Read Oct 5, 2026. Supports G-2
  72. 72.bergerbp.com, Berger Building Products. Read Oct 5, 2026. Supports G-6
  73. 73.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.
  74. 74.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.
  75. 75.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine (AL092016), NOAA National Hurricane Center. Read Oct 5, 2026.

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New construction roofing in Umatilla

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