Re-roofs ยท Anna Maria
Roof replacement in Anna Maria, FL
The median home in Anna Maria was built in 1975, give or take 4 years. That puts most roofs on the island well past the age many owners expect. Older roofs are a common reason owners look into replacement, and the reroof rules that follow are set by the state building code and applied through the city's own building department.
Updated October 2026
Our workAnna Maria figures this page uses
- Housing units (ACS 5-year)
- 1,503
- Share of homes built before 2000
- 87.4%
- Share of homes built 2010 or later
- 9.8%
- Share of homes built before 1980
- 59.8%
Housing age
How old is a typical Anna Maria roof?
Of the 1,503 housing units counted in the Census survey, 87.4 percent were built before 2000. Just 9.8 percent of homes here went up in 2010 or after. Among the four counties in this file, Manatee has the highest share of new builds, yet Anna Maria itself is an older town.
By our arithmetic, roughly six in ten homes here, 59.8 percent, were built before 1980. That suggests many original or early roofs are still in place. An owner of a home from that period should not assume the roof has years left without an inspection.
Permits and code
Permits and reroofing rules in Anna Maria
Roof permits in Anna Maria are issued by the City of Anna Maria Building Department, which runs its own permitting rather than sending work to the county. Check with that office before work begins, since the city sets the local process.
Florida's 25 percent test is the rule that matters most for a partial job. When replacement covers over 25 percent of the roof within a single 12-month span, you have to replace or recover the whole roof covering. An exception applies when the existing roof was built or repaired to the 2007 Florida Building Code or later, in which case only the repaired part must meet current code.
Today's governing rulebook is the Eighth Edition of the Florida Building Code from 2023, which went into force on December 31, 2023. A new edition takes effect December 31, 2026, and permit applications submitted on or after that date must follow it.
- Confirm the Notice of Commencement is recorded and posted before the first inspection.
- Ask the building office whether your roof predates the 2007 code, which can limit what must be upgraded.
- Ask your insurer whether an inspection is needed before renewal on a roof 15 years or older.
Weather exposure
Storms and rain that reach Anna Maria
Anna Maria Island took heavy storm surge damage from Hurricane Helene in 2024. Water covers 14.1 percent of the town's total area, so flooding and salt exposure are part of life here.
Questions
Roof replacement in Anna Maria: questions
What is the 25 percent roof rule in Florida?
Florida's building code says no more than 25 percent of an existing roof area can be repaired, replaced or recovered in any 12-month period unless the entire roof covering is replaced. In Anna Maria, the City of Anna Maria Building Department enforces this through permits. If your roof was built or repaired to the 2007 Florida Building Code or later, the rule may apply only to the repaired portion. Check the specifics with the building department before any work begins.
Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026
What is the new law in Florida about roofs?
Florida's Eighth Edition Building Code for 2023 became effective on December 31, 2023. The Ninth Edition goes into force on December 31, 2026. Any permit request filed on that date or later has to meet the new edition's requirements. For roofs in Anna Maria, the City of Anna Maria Building Department issues permits under whichever edition applies on the date of filing.
Source: FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, read Oct 5, 2026
Who issues roof permits in Anna Maria?
The City of Anna Maria Building Department issues roof permits, since the town runs its own permitting rather than using county services. Ask the office whether your permit requires a Notice of Commencement and which inspections apply to a full replacement. The department can confirm the current process for an address on the island.
Source: City of Anna Maria - Building Department, read Oct 5, 2026
Sources for this page(28)
- 1.Housing units (ACS 5-year): 1,503. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25001, via Census Reporter API. Read Oct 5, 2026.
- 2.Share of homes built before 2000: 87.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 3.Share of homes built 2010 or later: 9.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 4.U.S. Census Bureau ACS 2020-2024 5-year, tables B25034 and B25035. Read Oct 5, 2026.
- 5.Wikipedia, "Anna Maria, Florida" (secondary source). Read Oct 5, 2026.
- 6.Share of homes built before 1980: 59.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 7.Permit office: City of Anna Maria - Building Department. City of Anna Maria - Building Department. Read Oct 10, 2026.
- 8.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene. Read Oct 5, 2026.
- 9.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
- 10.Median year homes were built: 1975. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 11.2023 Florida Building Code, Building, 8th ed., Chapter 15 (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).
- 12.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
- 13.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
- 14.Miami-Dade County RER notice. Read Oct 5, 2026.
- 15.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
- 16.NOAA NHC. Read Oct 5, 2026.
- 17.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.
- 18.City of Anna Maria - Building Department, cityofannamaria.com. Read Oct 5, 2026.
- 19.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
- 20.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
- 21.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
- 22.Wikipedia, "Manatee County, Florida" and "Longboat Key, Florida" (secondary), Wikipedia. Read Oct 5, 2026.
- 23.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012871 SARASOTA BRADENTON AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
- 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
- 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
- 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
- 27.Wikipedia (Lakewood Ranch, Bayshore Gardens); Census 2020 block assignment, Wikipedia. Read Oct 5, 2026.
- 28.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
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Roof replacement in Anna Maria
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