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Miami-Dade County ยท Census-designated place

Roofing in Coral Terrace, Florida

Most homes in Coral Terrace were built around 1957, according to the Census Bureau's median build year. That figure sits well above the Miami-Dade County median year of 1980. If your roof is original or close to it, age is the first thing to check. Roof age affects what your insurer may ask for, and it affects how much of the roof a permit can cover in a single year.

Request a quote407-242-2840

Updated October 2026

Two stone gate towers with heart-shaped cutouts flank a tree-lined road with parked cars.
Photo: FL Entrance to Central Miami01 by Ebyabe, CC BY-SA 3.0, cropped

At a glance

Coral Terrace homes at a glance

People (2020 Census)
23,142
Median year homes were built
1957
Share of homes built before 1980
84.3%
Share of homes built 2010 or later
2.9%
Owner-occupied share of occupied homes
60.3%

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

Housing age

What roof age typically looks like in Coral Terrace

Roughly 84 percent of Coral Terrace homes were built before 1980. Only about 3 percent went up in 2010 or later. Roofs here are likely to exceed 25 years in age, the point at which insurers begin requesting extra documentation.

For roofs over 25 years old that use a soft covering such as shingle, Citizens Property Insurance asks for proof of at least five years of remaining useful life. Hard coverings like tile, slate, clay, concrete or metal raise that threshold to 50 years. Check with your own insurer or agent about what they will accept.

Permits and code

Coral Terrace permits and the 25 percent rule

Because Coral Terrace falls outside any municipality, roof permits come from the Miami-Dade County Regulatory and Economic Resources department. Confirm current requirements on the county building and permits page before you start.

The 25 percent rule caps repairs, replacements or recoveries at a quarter of the roof within any 12-month window, unless the full roof system is swapped out. A roof built or repaired to the 2007 Florida Building Code or later has an exception: only the repaired section must meet current code. Local governments cannot amend that exception.

Building permits

Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits

Official building page

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

Weather risk

Storms and heavy rain in Coral Terrace

Miami-Dade is in the High Velocity Hurricane Zone, which carries the strong wind provisions South Florida adopted after Hurricane Andrew. Hurricane season runs June 1 to November 30, and the statistical peak is September 10.

Rain here is heavy in short bursts. A 1-hour rain in a 10-year storm falls at 3.38 inches an hour at this location. A 24-hour rain in a 10-year storm totals 8.55 inches. Check flashing, drains and gutters before the wet months, which run May through October.

Local record

On record for Coral Terrace

  • Housing mix: 72.1% single-family detached and 11.1% in buildings with 10+ units.

Services

Roofing services in Coral Terrace

Questions

Coral Terrace roofing questions

What is the 25 percent roof rule in Florida?

Without replacing the entire system, the 25 percent rule restricts how much of a roof may be fixed, swapped or layered over during any 12-month period. In Coral Terrace, roof permits are issued by Miami-Dade County Regulatory and Economic Resources. Roofs built or repaired to the 2007 Florida Building Code or later have an exception that lets only the repaired part meet current code. Ask the county office whether your roof qualifies before you schedule work.

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

Related: Roof replacement

How old are roofs in Coral Terrace likely to be?

The median year homes were built in Coral Terrace is 1957, compared with 1980 for Miami-Dade County. About 84 percent of homes were built before 1980. That suggests many original roofs are well past 25 years old, which can trigger insurer documentation requirements.

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 inspections

Who issues roofing permits in Coral Terrace?

Coral Terrace is a census-designated place without its own city government, so the Miami-Dade County Regulatory and Economic Resources department handles building permits. Confirm current requirements there before starting work.

Source: Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits, read Oct 5, 2026

Related: Roof replacement

Does Coral Terrace get heavy rain?

Yes. At this location a 1-hour rain in a 10-year storm falls at 3.38 inches an hour, and a 24-hour rain in a 10-year storm totals 8.55 inches. Most of the year's rain, about 77 percent at Miami International Airport, falls between May and October.

Source: NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Coral Terrace 2020 Census internal point (25.7462, -80.3045), read Oct 5, 2026

Related: Roof repair

What is the new Florida law about roofs?

The Eighth Edition of the 2023 Florida Building Code went into force on December 31, 2023. The Ninth Edition, from 2026, becomes effective December 31, 2026, and all permit applications submitted on or after that date must comply with it. Check with the county building office to confirm which edition applies to your project.

Source: FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, read Oct 5, 2026

Related: Roof replacement

Nearby

Near Coral Terrace

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More in Miami-Dade County

Sources for this page(22)
  1. 1.Share of homes built before 1980: 84.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built 2010 or later: 2.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.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 B25035, 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.Permit office: Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits. Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits. Read Oct 10, 2026.
  7. 7.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  8. 8.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.
  9. 9.NOAA National Hurricane Center, Tropical Cyclone Climatology. Read Oct 5, 2026.
  10. 10.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service). Read Oct 5, 2026.
  11. 11.Median year homes were built: 1957. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  12. 12.People (2020 Census): 23,142. U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 28 (Census Designated Places). Read Oct 5, 2026.
  13. 13.Owner-occupied share of occupied homes: 60.3% (4,951 of 8,210). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  14. 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  15. 15.Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits, Miami. Read Oct 5, 2026.
  16. 16.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  17. 17.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  18. 18.Florida Administrative Code, Chapter 61G20-3, Florida Administrative Code. Read Oct 5, 2026.
  19. 19.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Coral Terrace 2020 Census internal point (25.7462, -80.3045), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  20. 20.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Coral Terrace 2020 Census internal point (25.7462, -80.3045), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  21. 21.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  22. 22.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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