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New construction · On Top of the World

New construction roofing in On Top of the World, FL

4,006 homes in On Top of the World, 41.2% of the total, were built in 2010 or later, and the Census Bureau's 2020-2024 estimate of 16,007 residents tops the 12,668 counted in 2020 by more than its margin of 1,008. New homes here are roofed under the 2023 code until December 31, 2026, when new permit applications move to the Ninth Edition.

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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.

On Top of the World figures this page uses

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

Local know-how

New homes in a community where 41.2% are post-2010

That share is about three times Marion County's 13.5% of homes built since 2010, and the median home here dates to 2006, so new roofs go up beside houses from the 2000s. The permit for a new home here comes from Marion County Building Safety, and the roof sees two inspections in the code's sequence: sheathing or dry-in after the deck is fastened, and roofing before the final.

FEMA found soffits failed widely in Hurricane Michael and let in wind-driven rain, and the 2007 code began requiring soffits to resist the same wind loads as walls. Wind and flooding are Marion County's largest natural-disaster threats, and tornadoes are a concern too.

Step by step

Roof items inspectors check on an On Top of the World new build

  1. 01

    Framing

    Trusses, bracing and connectors are inspected once the roof framing is in place.

  2. 02

    Sheathing

    Roof sheathing goes on with ring-shank nails, RSRS-03 at 2 1/2 inches, and is inspected with its fasteners, often as part of dry-in.

  3. 03

    Dry-in

    One of three underlayment methods: a fully adhered membrane, taped or stripped seams under underlayment, or two layers of felt-type underlayment.

  4. 04

    Wall coverings and soffit

    Exterior wall coverings and soffits are inspected in progress, before they are closed up.

  5. 05

    Roofing and final

    The roofing inspection covers dry-in, insulation, coverings and flashing; the final inspection closes the permit.

A builder's own crew may install asphalt or fiberglass shingles on a new building of its own construction. Tile, metal and membrane roofs are subcontracted to a roofing contractor holding a state certificate or registration, under Fla. Stat. 489.113(3).

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Questions

New construction roofing in On Top of the World: questions

What does Florida's new-home warranty law cover in On Top of the World?

Fla. Stat. 553.837, in force since July 1, 2025, makes a builder warrant a newly built home for 1 year against defects in equipment, material or workmanship that cause a material violation of the Florida Building Code. The year starts at the first title transfer or first occupancy, whichever comes first. Normal wear, settling, owner-caused defects and acts of God such as a natural disaster are excluded. With 41.2% of homes here built since 2010, buyers of the newest ones should mark that year on the calendar for roof defects.

Related: New construction roofing

How can a buyer check the roof on a new On Top of the World home?

Start with the paper trail. The permit from Marion County Building Safety should show the sheathing and roofing inspections passed, in the order FBC-B 110.3 lists them. Roofing products need Florida product approval, and the Florida Building Commission's public search finds them by FL number or manufacturer. On a shingle roof, drip edge belongs at the eaves and gables over the underlayment. Ask the builder which of the three dry-in methods went under the covering.

Related: New construction roofing

Do new homes in On Top of the World need gutters?

Only where the eaves project less than 6 inches. FBC-R R318.5 requires gutters and downspouts on those buildings, except at gable-end rakes or a roof above another roof, and the downspouts must discharge at least 1 foot from the wall. With NOAA Atlas 14 putting the 100-year, five-minute burst here at 13.7 inches an hour, owners who skip gutters should know where that water will land.

Related: Gutters

Nearby

New construction roofing near On Top of the World

Sources for this page(84)
  1. 1.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.
  2. 2.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.
  3. 3.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.
  4. 4.Share of homes built 2010 or later: 13.5%. 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.
  5. 5.Wikipedia, "Marion County, Florida" (revision 1375327071). 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.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.
  8. 8.Permit office: Marion County Building Safety. Marion County Building Safety. Read Oct 5, 2026.
  9. 9.Florida Building Commission. Read Oct 5, 2026.
  10. 10.2023 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).
  11. 11.Florida Statutes, section 489.113 (2026). Read Oct 5, 2026.
  12. 12.Florida Statutes, section 553.837 (2026). Read Oct 5, 2026.
  13. 13.2023 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").
  14. 14.2023 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).
  15. 15.FEMA. Read Oct 5, 2026.
  16. 16.2023 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).
  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.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.
  19. 19.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.
  20. 20.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer. Read Oct 5, 2026.
  21. 21.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.
  22. 22.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.
  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.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.
  25. 25.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.
  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 ACS 2020-2024 5-year, table B25024, via Census Reporter. Read Oct 5, 2026.
  28. 28.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.
  29. 29.U.S. Census Bureau ACS 2020-2024 5-year, table B01002, via Census Reporter. Read Oct 5, 2026.
  30. 30.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.
  31. 31.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.
  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 NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service. Read Oct 5, 2026.
  39. 39.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  40. 40.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  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.Miami-Dade County RER notice. Read Oct 5, 2026.
  44. 44.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).
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  46. 46.OIR form. Read Oct 4, 2026.
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  48. 48.2023 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").
  49. 49.apoc.com. Read Oct 5, 2026.
  50. 50.Florida Statutes, section 718.112 (2026). Read Oct 5, 2026.
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  52. 52.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
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  55. 55.blogs.ifas.ufl.edu. Read Oct 5, 2026.
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  59. 59.law.cornell.edu. Read Oct 5, 2026.
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  64. 64.Insp4pt 03 25. Read Oct 4, 2026. Source URL inherited from RM-08 (the research cites it "as RM-08").
  65. 65.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)
  66. 66.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  67. 67.FEMA FL-RA2. Read Oct 5, 2026. Source URL inherited from RM-01 (the research cites it "as RM-01").
  68. 68.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)
  69. 69.TRI Alliance Technical Brief #2022-001 and #2021-01. Read Oct 5, 2026. Research grade: MEDIUM (industry association)
  70. 70.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  71. 71.ARMA Technical Bulletin "Algae Discoloration of Roofs", revised June 2024. Read Oct 5, 2026. Research grade: MEDIUM-HIGH
  72. 72.Owens Corning. Read Oct 5, 2026.
  73. 73.atlasroofing.com. Read Oct 5, 2026. Source URL inherited from RM-10 (the research cites it "as RM-10").
  74. 74.2023 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").
  75. 75.Tile Roofing Industry Alliance. Read Oct 5, 2026. Source URL inherited from RR-38 (the research cites it "as RR-38").
  76. 76.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  77. 77.FBCR Ch. 2. Read Oct 5, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  78. 78.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  79. 79.Florida Statutes, section 489.105 (2026). Read Oct 4, 2026.
  80. 80.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.)
  81. 81.FBCR Ch. 9. Read Oct 4, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  82. 82.FEMA Recovery Advisory 2. Read Oct 5, 2026.
  83. 83.Fla. Stat. 553.844. Read Oct 4, 2026. Source URL inherited from RR-18 (the research cites it "as RR-18").
  84. 84.Wikipedia, "On Top of the World, Florida" (revision 1378603127). Read Oct 5, 2026.

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New construction roofing in On Top of the World

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