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Marion County · Census-designated place

Roofing in On Top of the World, Florida

The median age in On Top of the World is 71.4, against 47.9 for Marion County as a whole. Its 9,714 homes are newer than the county's: the median one was built in 2006, and 41.2% went up in 2010 or later. The community sits 11 miles southwest of Ocala and was first listed as a census place in 2020.

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Updated October 2026

Top-down drone view of a finished shingle roof

At a glance

On Top of the World homes at a glance

People (2020 Census)
12,668
Population estimate (ACS 5-year)
16,007
Median age
71.4yrs
Median year homes were built
2006
Share of homes built 2010 or later
41.2%
Owner-occupied share of occupied homes
92.6%

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

Your roof

What 2006 and 41.2% mean for roofs here

Two dates sort the roofs here. Homes finished before March 1, 2009 were roofed under editions older than the 2007 Florida Building Code, and homes from 2010 on were roofed under it or a newer one. The median home, from 2006, falls just before that line, and 36.9% of homes predate 2000.

The line decides how a big repair is handled. For a roof built, repaired or replaced to the 2007 code or later, Fla. Stat. 553.844(5) requires only the repaired part to meet current code, even past 25% of a section. An older roof must be redone section by section once repairs pass 25% in 12 months.

Ownership is close to universal: 92.6% of occupied homes are owner-occupied. Mobile homes are 0.5% of housing units, about 52 homes, against 18.2% countywide, so nearly every roof decision here concerns a site-built house and is made by the owner who lives in it.

With a median age of 71.4, the contract deserves a careful read. Florida requires two statutory notices in every residential roof contract, and the questions below spell out what each one says.

Local rules

Who permits roof work in On Top of the World

On Top of the World is a census-designated place, not a municipality, so roof permits run through Marion County Building Safety. The office's pages were only partly readable for this guide; get its current re-roof requirements from the office directly.

  • Re-roof: a permit, no plan review, and two inspections, sheathing or dry-in first and final roofing last.
  • Small repair: the building official may approve ordinary minor repairs without a permit.
  • Big repair on a pre-2009 roof: past 25% of a section in 12 months, the whole section is redone to code.
  • Contract: the Fla. Stat. 489.147 notices on rebates and on checking coverage with the insurer.
  • CDP first listed for the 2020 census, 11 miles southwest of Ocala.

Weather

Wind and rain 11 miles southwest of Ocala

The nearest official wind readings come from the Ocala airport station, which logged a 36-knot gust in Hurricane Nicole in 2022 and 35 knots, with 3.36 inches of rain, in Milton in 2024. Irma in 2017 left 8.63 inches at a gauge 1.1 miles southeast of Ocala and pushed rivers in the county to major or record flood stages.

Marion County's largest natural-disaster threats are high winds and flooding, and tornadoes are a concern too. NOAA Atlas 14 at On Top of the World puts the 10-year, five-minute rain rate at 9.74 inches an hour. That burst, more than the Ocala station's 51.64-inch yearly normal, is what sizes a gutter.

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Permits

Roof permits for On Top of the World

Building permits

Marion County Building Safety

Official building page

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

Services

Roofing services in On Top of the World

Questions

On Top of the World roofing questions

Who issues roof permits in On Top of the World?

Marion County Building Safety. On Top of the World is an unincorporated census place 11 miles southwest of Ocala, first listed in 2020, so county permits apply. A re-roof needs a permit and two inspections but no plan review under FBC-B 107, and ordinary minor repairs can proceed without a permit only if the building official approves. Any exterior rules your neighborhood sets are separate from the county permit.

Related: Roof replacement

What should a roofing contract for an On Top of the World home include?

Florida sets two notices by statute. Under Fla. Stat. 489.147(5), every contract to repair or replace a roof on a home must state that the contractor may not offer a rebate, gift, gift card, cash, coupon, deductible waiver or anything of value for allowing a roof inspection or making a roof insurance claim. Without that notice the owner may void the contract within 10 days. Under 489.147(7), bold type of at least 14 points on the signature page tells the owner to check coverage with the insurer before signing if the work relates to a claim. In a community with a median age of 71.4, a second reader at the kitchen table helps.

Related: Roof replacement

Are On Top of the World roofs built to the 2007 code?

It depends on when each roof went on. The 2007 Florida Building Code took effect March 1, 2009. The median home here was built in 2006, so at least half the houses were first roofed under older editions, while the 41.2% built in 2010 or later started under the 2007 code or newer. A full re-roof since 2009 moves a home into the newer group. The permit record, not the house's age, settles it.

Related: Roof replacement

How strong are the winds in On Top of the World?

The closest official readings are at the Ocala airport, where Nicole gusted to 36 knots in 2022 and Milton to 35 knots in 2024. High winds and flooding are Marion County's largest natural-disaster threats, with tornadoes also a concern. For design, the code uses the ASCE 7-22 wind speed for each address, the value the state's wind mitigation form also uses to place a home in a wind region. The stricter HVHZ chapters of the code apply only in Broward and Miami-Dade, not in this county.

Nearby

Near On Top of the World

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More in Marion County

Sources for this page(92)
  1. 1.Median age: 71.4. 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.
  2. 2.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.
  3. 3.Median age: 47.9. 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.
  4. 4.Housing units (ACS 5-year): 9,714. 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.
  5. 5.Median year homes were built: 2006. 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.
  6. 6.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.
  7. 7.Share of homes built 2010 or later: 41.2%. 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.
  8. 8.Wikipedia, "On Top of the World, Florida" (revision 1378603127). Read Oct 5, 2026.
  9. 9.Wikipedia, "Marion County, Florida" (revision 1375327071). Read Oct 5, 2026.
  10. 10.NOAA NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service. Read Oct 5, 2026.
  11. 11.U.S. Census Bureau ACS 2020-2024 5-year, table B25024, via Census Reporter. Read Oct 5, 2026.
  12. 12.Hurricane Milton (2024). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  13. 13.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  14. 14.Hurricane Nicole (2022). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Nicole (AL172022). Read Oct 5, 2026.
  15. 15.Share of homes built before 2000: 36.9%. 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.
  16. 16.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.
  17. 17.Mobile homes, share of housing units: 0.5%. 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.
  18. 18.Owner-occupied share of occupied homes: 92.6%. 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.
  19. 19.Permit office: Marion County Building Safety. Marion County Building Safety. Read Oct 5, 2026.
  20. 20.People (2020 Census): 12,668. U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer. Read Oct 5, 2026.
  21. 21.Population estimate (ACS 5-year): 16,007. 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.
  22. 22.NOAA Atlas 14 Volume 9 (Southeastern States) version 2, partial-duration series point estimates, via the HDSC PFDS endpoint (ops/research/v3/services/data/noaa-atlas14-florida-rainfall.tsv), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  23. 23.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the On Top of the World CDP internal point (2020 TIGER), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  24. 24.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer. Read Oct 5, 2026.
  25. 25.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.
  26. 26.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.
  27. 27.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.
  28. 28.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.
  29. 29.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.
  30. 30.U.S. Census Bureau ACS 2020-2024 5-year, table B01002, via Census Reporter. Read Oct 5, 2026.
  31. 31.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.
  32. 32.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673. Read Oct 5, 2026.
  33. 33.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834. Read Oct 5, 2026.
  34. 34.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4828. Read Oct 5, 2026.
  35. 35.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4806. Read Oct 5, 2026.
  36. 36.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4734. Read Oct 5, 2026.
  37. 37.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Nicole (AL172022). Read Oct 5, 2026.
  38. 38.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  39. 39.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  40. 40.Marion County Building Safety (official page), Marion County, Florida. Read Oct 5, 2026. marionfl.org returns HTTP 403 to scripted fetches; page title 'Building Safety' seen in the search index and its FAQs subpage loaded in a browser 2026-10-05 under the Building Safety breadcrumb. Jurisdiction text NOT READ. Unincorporated CDP, so the county office is assumed by jurisdiction; not separately verified.
  41. 41.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  42. 42.Florida Statutes, section 713.135 (2026). Read Oct 5, 2026.
  43. 43.2023 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").
  44. 44.Miami-Dade County RER notice. Read Oct 5, 2026.
  45. 45.FBC-Building 2023 Chapter 2 definitions. Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  46. 46.Florida Building Commission. Read Oct 5, 2026.
  47. 47.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  48. 48.OIR form. Read Oct 4, 2026.
  49. 49.eng.ufl.edu. Read Oct 5, 2026. Source URL inherited from RR-41 (the research cites it "as RR-41").
  50. 50.2023 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). Source URL inherited from C-14 (the research cites it "as C-14").
  51. 51.apoc.com. Read Oct 5, 2026.
  52. 52.2023 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).
  53. 53.Florida Statutes, section 718.112 (2026). Read Oct 5, 2026.
  54. 54.2023 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).
  55. 55.Florida Statutes, section 489.113 (2026). Read Oct 5, 2026. About the law, never about South Fork Roofing's licensing (license-display is banned on the preview, spec 1.1).
  56. 56.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026. Spec 1.7: never invite a claim; explain the statute, cite it, point to the insurer or agent.
  57. 57.Florida Statutes, section 553.837 (2026). Read Oct 5, 2026. It is the builder's duty; it says nothing about a roofer's own workmanship terms. Pages carry allowTerms for the word 'warranty' (spec 1.2).
  58. 58.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  59. 59.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  60. 60.consumerreports.org. Read Oct 5, 2026.
  61. 61.blogs.ifas.ufl.edu. Read Oct 5, 2026.
  62. 62.ufdcimages.uflib.ufl.edu. Read Oct 5, 2026.
  63. 63.thig.com. Read Oct 5, 2026.
  64. 64.Gutterall 6K hanger. Read Oct 5, 2026.
  65. 65.law.cornell.edu. Read Oct 5, 2026.
  66. 66.2023 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). Source URL inherited from NC-2 (the research cites it "as NC-2").
  67. 67.2023 Florida Building Code, Plumbing, 8th ed., Chapter 11 (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-20 (the research cites it "as COM-20").
  68. 68.bergerbp.com. Read Oct 5, 2026. Source URL inherited from G-4 (the research cites it "as G-4").
  69. 69.NOAA Atlas 14 (HDSC Precipitation Frequency Data Server). Read Oct 5, 2026. Source URL inherited from G-1 (the research cites it "as G-1").
  70. 70.Citizens Property Insurance Corporation. Read Oct 4, 2026. Research grade: HIGH. The "dated within 12 months" rule appeared only in a search snippet of a Citizens FAQ · LOW.
  71. 71.Insp4pt 03 25. Read Oct 4, 2026. Source URL inherited from RM-08 (the research cites it "as RM-08").
  72. 72.Florida Office of Insurance Regulation. Read Oct 5, 2026. Research grade: HIGH (form text; the form is a template, the actual percentages are filled in per insurer)
  73. 73.2023 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).
  74. 74.FEMA. Read Oct 5, 2026.
  75. 75.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  76. 76.FEMA FL-RA2. Read Oct 5, 2026. Source URL inherited from RM-01 (the research cites it "as RM-01").
  77. 77.ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026. Research grade: MEDIUM (FEMA report itself not opened: fema.gov refused direct download)
  78. 78.TRI Alliance Technical Brief #2022-001 and #2021-01. Read Oct 5, 2026. Research grade: MEDIUM (industry association)
  79. 79.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  80. 80.ARMA Technical Bulletin "Algae Discoloration of Roofs", revised June 2024. Read Oct 5, 2026. Research grade: MEDIUM-HIGH
  81. 81.Owens Corning. Read Oct 5, 2026.
  82. 82.atlasroofing.com. Read Oct 5, 2026. Source URL inherited from RM-10 (the research cites it "as RM-10").
  83. 83.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 4, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  84. 84.Tile Roofing Industry Alliance. Read Oct 5, 2026. Source URL inherited from RR-38 (the research cites it "as RR-38").
  85. 85.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  86. 86.FBCR Ch. 2. Read Oct 5, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  87. 87.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  88. 88.Florida Statutes, section 489.105 (2026). Read Oct 4, 2026.
  89. 89.Florida Statutes, section 489.103 (2026). Read Oct 4, 2026. Research grade: HIGH. (Answers the PAA "Can a handyman do roof repairs in Florida?": only within this narrow exemption; the permit question is separate, RR-08.)
  90. 90.FBCR Ch. 9. Read Oct 4, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  91. 91.FEMA Recovery Advisory 2. Read Oct 5, 2026.
  92. 92.Fla. Stat. 553.844. Read Oct 4, 2026. Source URL inherited from RR-18 (the research cites it "as RR-18").

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