Re-roofs ยท Hobe Sound
Roof replacement in Hobe Sound, FL
The median home in Hobe Sound was built in 1983, according to the Census Bureau's 2024 five-year estimates, with a margin of plus or minus 2 years. That suggests many roofs here are now at or past the age where a replacement is worth considering. A re-roof here is a permitted job, and the permit and inspections follow specific Florida rules.
Updated October 2026
Our workHobe Sound figures this page uses
- Share of homes built before 1980
- 39.4%
- Share of homes built 2010 or later
- 3.7%
- Median year homes were built
- 1983
Housing age
How old the roofs on Hobe Sound homes likely are
About 39.4 percent of homes in Hobe Sound were built before 1980. Homes built in 2010 or afterward account for just 3.7 percent of the total. Many roofs on the older housing are likely original or near original, and those are the ones owners should check first.
Martin County as a whole has a median build year of 1986, so Hobe Sound's housing is a few years older than the county's average build year figure suggests. The gap is 3 years.
Permits and rules
Permits and the 25 percent rule for a re-roof in Hobe Sound
Hobe Sound is an unincorporated census-designated place, so the Martin County Building Department issues roof permits here. Check the county page for the current application steps before you hire anyone.
Under the current code, no more than 25 percent of the roof in any 12-month period can be repaired or replaced unless the entire roof covering is redone. When the current roof was installed or patched under the 2007 Florida Building Code or a newer edition, only the section that was repaired has to satisfy today's code.
A permit does not last forever. Work must start within 6 months of issuance, and an application can be abandoned 180 days after filing unless work continues in good faith. Ask the county office how these clocks apply to your job.
Insurance and age
How the age of your roof affects your insurance coverage in Hobe Sound
An insurer may not refuse a homeowner policy solely because a roof is under 15 years old. For a roof 15 years or older, the homeowner may have an authorized inspector check the roof at the homeowner's own expense.
Citizens Property Insurance asks for documentation of at least five years of remaining useful life on roofs older than 25 years with shingles. Roofs over 50 years old with tile or metal need the same documentation. Confirm the current requirement with your insurer or agent.
Questions
Roof replacement in Hobe Sound: questions
What is the 25% roof rule in Florida?
Under the 25 percent threshold, a roof owner can only work on up to a quarter of the surface during any single year. If more than 25 percent of the roof is involved, the entire roof covering must be replaced. In Hobe Sound, permits come from the Martin County Building Department. An exception applies when the existing roof was built or repaired to the 2007 Florida Building Code or later, so the repaired portion alone must meet current code.
Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026
Who issues roof permits in Hobe Sound?
Hobe Sound is an unincorporated community, so the Martin County Building Department issues roof permits here, not a city office. Confirm the current application steps and fees directly with the county before work starts. Permits must be pulled before the job begins, and the county requires a Notice of Commencement before the first inspection on larger contracts.
Source: Martin County Building Department, read Oct 5, 2026
How old is the average home in Hobe Sound?
Hobe Sound's typical house dates to 1983, give or take 2 years. That places most roofs here at or near an age where replacement is worth a look. About 39.4 percent of homes were built before 1980, so older roofs are common. Have a roofer inspect any roof that is older than its shingles' expected life, especially before storm season.
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026
Sources for this page(26)
- 1.Share of homes built before 1980: 39.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 2.Share of homes built 2010 or later: 3.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
- 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 6.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
- 7.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used). Read Oct 5, 2026.
- 8.Permit office: Martin County Building Department. Martin County Building Department. Read Oct 10, 2026.
- 9.Median year homes were built: 1983. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 10.2023 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).
- 11.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
- 12.2023 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").
- 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
- 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
- 15.Martin County Building Department, Martin County Building Department. Read Oct 5, 2026.
- 16.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
- 17.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
- 18.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
- 19.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
- 20.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
- 21.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
- 22.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
- 23.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Hobe Sound 2020 Census internal point (27.0745, -80.1432), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 24.Wikipedia, 'Hobe Sound, Florida' (revision 1361216954), Wikipedia. Read Oct 5, 2026.
- 25.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
- 26.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
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Roof replacement in Hobe Sound
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