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Roofing in Ocean Breeze, Florida

Ocean Breeze is a town on the Indian River, and it is one of only two towns in Florida where residents live in a mobile home or RV park that bears the town's name. The 2020 census counted 301 people. Most of the roofs you will look at here are on homes that are newer than the county average, but mobile homes make up a much bigger share of the housing than they do across Martin County. That mix changes what a roof job involves.

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Updated October 2026

Concrete Town of Ocean Breeze welcome sign beside a grassy lawn, calm water, palm trees, and a sidewalk.
Photo: Ocean Breeze Resort 39 by Stephen B Calvert Clariosophic, CC BY-SA 4.0, cropped

At a glance

Ocean Breeze homes at a glance

People (2020 Census)
301
Median year homes were built
2017
Share of homes built before 1980
10.7%
Share of homes built 2010 or later
83.2%
Owner-occupied share of occupied homes
75.5%

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

Housing age

Roof age across the town's housing stock

The median home in Ocean Breeze was built in 2017, with a margin of error of plus or minus 3 years. The county median is 1986. Across the town, 83.2 percent of housing units were built in 2010 or later, while across Martin County that share is 7.4 percent. Many roofs here are therefore young. A roof that went on in the last decade is unlikely to be near the end of its life.

A small group of older homes still exists. Only 10.7 percent of Ocean Breeze units were built before 1980. If your home is one of them, your roof is likely past the age where insurers start asking for proof of remaining life. Florida's insurer rule for Citizens sets that point at 25 years for shingle roofs and 50 years for tile, slate, clay, concrete or metal.

Manufactured homes

Mobile homes and what they mean for your roof

Mobile homes are 22.5 percent of Ocean Breeze housing units, compared with 8.8 percent for Martin County. A mobile home roof is built to the code that applied when the home was manufactured. The Florida Building Code treats homes made before March 1, 2002 differently from those made after it, so check the build date on the home's data plate before you plan a job.

Florida code also limits how much of a roof can be replaced in one year without bringing the whole roof up to current code. Each 12-month window allows only a limited share of the roof area to be redone before the entire covering must be replaced. With 22.5 percent of Ocean Breeze units being mobile homes, many local roofs will hit that threshold, so confirm the plan with the building office before work begins.

Permits and review

Who issues roofing permits in Ocean Breeze

Roof permits for Ocean Breeze are handled by the Town of Ocean Breeze Building and Permitting office. The town's official building and permitting page confirms the town as the permitting authority. Call the office before you sign a contract so you know what documents they need.

A permit does not last indefinitely. Under the Florida Building Code, a permit becomes invalid if work does not start within 6 months of issue, or if work stops for 6 months. Work counts as active when an inspection has been approved within the past 180 days. Plan your schedule so the job does not lapse midway.

Building permits

Town of Ocean Breeze - Building & Permitting

Official building page

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

Weather risk

Storms and heavy rain on the Ocean Breeze roof

Martin County is not in the High Velocity Hurricane Zone, which covers only Miami-Dade and Broward counties. The county has taken storm surge: Hurricane Irma in 2017 pushed 1 to 3 feet of water above ground along coastal Martin County. Hurricane Matthew in 2016 brought a 53-knot gust to Witham Field in Stuart. Confirm your roof's wind rating with your insurer and your contractor before a storm season starts.

Rain is the other threat. At Stuart, 67.6 percent of normal annual rain falls from May through October, and August is the wettest month at 8.49 inches. Using NOAA Atlas 14 values for this town, a one-hour rain in a 10-year storm falls at 3.14 inches an hour, and a 24-hour rain in a 10-year storm totals 7.59 inches. Check gutters and flashing before the season starts.

Local record

On record for Ocean Breeze

  • Town on the Indian River where residents live in a mobile home / RV park bearing the town's name; one of only two such towns in Florida.
  • 83.2% of housing units were built in 2010 or later (Martin County: 7.4%), a newer-construction area.
  • 22.5% of housing units are mobile homes.

Services

Roofing services in Ocean Breeze

Questions

Ocean Breeze roofing questions

What is the 15 year roof rule in Florida?

Florida Statute 627.7011(5) is where the 15 year roof rule originates. Under this rule, a homeowner's policy cannot be declined or left unrenewed just because the roof is under 15 years old. If your roof is 15 years or older, the insurer has to allow an authorized inspector to examine it, and you pay for that inspection. Coverage cannot be refused or dropped based on roof age alone when the inspection finds at least 5 years of useful life remaining. Ocean Breeze had a 2020 Census count of 301 people, so ask your insurer how it applies to your roof.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof replacement

What is the new law in Florida about roofs?

The main new code change is the Ninth Edition of the Florida Building Code, which becomes effective on December 31, 2026. Permit applications and plans submitted on or after that date must comply with the new edition. Because most Ocean Breeze homes were built after 2010, check with the building office if your roof project is planned for early 2027.

Source: Miami-Dade County RER notice, read Oct 5, 2026

Related: Roof replacement

How old is the average home in Ocean Breeze, Florida?

The median home in Ocean Breeze was built in 2017, with a margin of error of plus or minus 3 years. The county median is 1986. About 10.7 percent of homes in the town were built before 1980. Roof age varies, so check the age of your own roof rather than relying on the town median.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof replacement

Do mobile homes in Ocean Breeze need a different kind of roof?

Mobile homes make up 22.5 percent of Ocean Breeze housing units. A mobile home's roof is built to the code in force when the home was manufactured. Homes made before March 1, 2002 fall under the older standard, so the build date matters. Confirm the build date and the roof rules with the building office before you start a job.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof replacement

Who issues roofing permits in Ocean Breeze?

The Town of Ocean Breeze Building and Permitting office issues roof permits. Under the Florida Building Code, a permit becomes invalid if work does not start within 6 months of issue, so ask the office about timing before you sign a contract.

Source: Town of Ocean Breeze - Building & Permitting, read Oct 5, 2026

Related: Roof replacement

Nearby

Near Ocean Breeze

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Martin County

More in Martin County

Sources for this page(29)
  1. 1.Median year homes were built: 2017. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Share of homes built 2010 or later: 83.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  5. 5.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.
  6. 6.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  8. 8.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  9. 9.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.
  10. 10.Share of homes built before 1980: 10.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Mobile homes, share of housing units: 22.5%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Permit office: Town of Ocean Breeze - Building & Permitting. Town of Ocean Breeze - Building & Permitting. Read Oct 10, 2026.
  13. 13.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  14. 14.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service). Read Oct 5, 2026.
  15. 15.Wikipedia, 'Ocean Breeze, Florida' (revision 1378600849). Read Oct 5, 2026.
  16. 16.People (2020 Census): 301. U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 26 (Incorporated Places). Read Oct 5, 2026.
  17. 17.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service). Read Oct 5, 2026.
  18. 18.Owner-occupied share of occupied homes: 75.5% (237 of 314). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  19. 19.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  20. 20.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  21. 21.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  22. 22.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  23. 23.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  24. 24.Town of Ocean Breeze - Building & Permitting, townofoceanbreeze.com. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Ocean Breeze 2020 Census internal point (27.2409, -80.2252), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Ocean Breeze 2020 Census internal point (27.2409, -80.2252), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  28. 28.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 26 (Incorporated Places), U.S. Census Bureau. Read Oct 5, 2026.
  29. 29.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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