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Re-roofs ยท Key Biscayne

Roof replacement in Key Biscayne, FL

Most homes on Key Biscayne were built around 1977, which means many of the roofs now on them are close to or past the age where owners should plan a replacement. The median build year here is 1977, and the county figure is 1980. Starting with the permit office is the first practical step for a re-roof on the island.

Updated October 2026

Black and white view of a long concrete causeway bridge over water under big clouds.
Drone view of a single-story home mid re-roof: part of the roof stripped to white synthetic underlayment, the rest still in gray shingles, a dump trailer of debris and a pickup in the driveway.Our work
Photo: Key Biscayne. Miami, FL. by Rob Olivera, CC BY 2.0, cropped

Key Biscayne figures this page uses

Share of homes built before 1980
59.2%
Share of homes built 2010 or later
4.8%
Median year homes were built
1977

Age of the island's homes

Island housing age and roof age

Nearly six in ten homes on the island, 59.2 percent, were built before 1980. Only 4.8 percent were built in 2010 or later. That suggests most owners are living under roofs that were installed decades ago and may be near the end of their service life.

Many island roofs are likely older than 25 years. Citizens Property Insurance asks for at least five years of remaining useful life on a roof that old. If your roof is in that group, get an inspection before you renew your policy.

Permits and inspections

Who issues roof permits in Key Biscayne?

Roof permits on Key Biscayne are handled by the Village of Key Biscayne Building, Zoning and Planning department. The village permitting office is where to confirm current requirements before work starts.

Under the Florida Building Code, a permit lapses if work does not start within six months of issuance. On the island, a permit stays alive only while inspections keep passing within 180 days of each other. Confirm these dates with the village when you apply.

The 2023 Florida Building Code, Eighth Edition, governs permits filed on the island today. Applications filed after December 31, 2026 fall under the Ninth Edition instead, so timing matters for a late-year job.

The 25 percent rule

Partial roof repairs and the 25 percent rule

The 25 percent rule limits partial work. In any 12-month window, you can repair, replace or recover up to 25 percent of the roof area, unless the whole roof system gets replaced at once. Miami-Dade is in the High Velocity Hurricane Zone, so this rule applies to island roofs.

On the island, a partial job that stays under the limit still has to be logged with the village permit office. Ask the village whether your roof's construction history lets only the repaired portion meet current code. The village cannot change that exception by ordinance.

Questions

Roof replacement in Key Biscayne: questions

What is the 25% roof rule in Florida?

The 25 percent rule caps partial roof work at 25 percent of the roof area in any 12-month period, unless the whole roof covering is replaced. On Key Biscayne, which sits in the High Velocity Hurricane Zone, this limit applies. When a roof was constructed or fixed under the 2007 Florida Building Code or a newer edition, just the section that was worked on has to satisfy today's requirements. Confirm your roof's history with the Village of Key Biscayne permitting office.

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

Related: Roof replacement

How old are most homes on Key Biscayne?

The median year homes were built on Key Biscayne is 1977, with a margin of error of plus or minus two years. Miami-Dade County's median is 1980. Nearly 59 percent of island homes were built before 1980. Many of those roofs are likely past 25 years old, so have an inspection done before you assume the roof is sound.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API, read Oct 5, 2026

Related: Roof replacement

Who issues roof permits on Key Biscayne?

The Village of Key Biscayne Building, Zoning and Planning department handles permitting. Call or visit the village office to confirm the application steps and fees before work begins.

Source: Village of Key Biscayne - Building, Zoning and Planning - Permitting, read Oct 5, 2026

Related: Roof replacement

Nearby

Roof replacement near Key Biscayne

Sources for this page(24)
  1. 1.Share of homes built before 1980: 59.2%. 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: 4.8%. 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 B25035, 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, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Permit office: Village of Key Biscayne - Building, Zoning and Planning - Permitting. Village of Key Biscayne - Building, Zoning and Planning - Permitting. Read Oct 10, 2026.
  6. 6.Wikipedia, 'Key Biscayne, Florida' (revision 1375547449). Read Oct 5, 2026.
  7. 7.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). 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.Median year homes were built: 1977. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  10. 10.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  11. 11.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 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.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  15. 15.Miami-Dade County RER notice. Read Oct 5, 2026.
  16. 16.2023 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).
  17. 17.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  18. 18.Village of Key Biscayne - Building, Zoning and Planning - Permitting, Village of Key Biscayne. Read Oct 5, 2026.
  19. 19.Florida Administrative Code, Chapter 61G20-3, Florida Administrative Code. Read Oct 5, 2026.
  20. 20.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  21. 21.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Key Biscayne 2020 Census internal point (25.6907, -80.1656), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  22. 22.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Key Biscayne 2020 Census internal point (25.6907, -80.1656), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  23. 23.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  24. 24.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.

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Roof replacement in Key Biscayne

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