Orange County ยท Census-designated place
Roofing in Union Park, Florida
The typical home in Union Park was built around 1987, according to the Census Bureau's five-year estimates. That makes many of the roofs here older than 25 years, which matters for both repair rules and insurance. Union Park is a census-designated place, so the Orange County building office handles roof permits, not a city hall. The county median is newer, at 1994, so the town's roofs run older than the county's.
Updated October 2026
Roof age
What the age of your Union Park roof means for the choices you have
Only 0.7 percent of Union Park homes were built in 2010 or later, compared with 19.3 percent countywide. Meanwhile 41.7 percent were built before 1980, against 26.1 percent for the county. A roof that is 35 or 40 years old is common here, not unusual.
For soft roofs like asphalt shingle that are older than 25 years, Citizens Property Insurance requires paperwork showing at least five years of remaining useful life. Tile and metal roofs face the same review, but the threshold is 50 years. If your roof is past 25 years, ask your insurer or agent what documentation they need before the next renewal.
The 25 percent rule
Repair versus full replacement under Florida's 25 percent rule
Florida's building code limits how much of an existing roof you can repair or replace in any 12-month period without bringing the whole roof system up to code. That cap covers 25 percent of the roof's total area. A roof built or repaired to the 2007 Florida Building Code or later may qualify for a narrower exception, so check the original permit record with the Orange County building office before you assume either way.
Who issues permits
Permits and paperwork in Union Park
Because Union Park is unincorporated, the Orange County Division of Building Safety issues roof permits. New permit applications and inspection requests go through its online Fast Track portal. The county's division applies the Florida Building Code along with local construction rules.
Your permit lapses when work fails to begin within 6 months of issue, or when a pause in work runs 6 months. Confirm your permit's status with the county before scheduling a crew.
Building permits
Orange County Division of Building Safety
Official building pageOffice names and links only. Fees, forms and timing change; check the official page.
Weather exposure
Storms and rain Union Park roofs face
Orlando's rainfall averages about 51.5 inches a year, and roughly 45 percent of it falls June through August, by our arithmetic from the 1991-2020 normals. A 1-hour storm in a 10-year event drops 2.93 inches an hour, so flashing and drainage matter more than the age of the shingles alone.
Hurricane Irma in 2017 brought a peak gust of 69 knots at Orlando International. Following the 2022 storm, a man in the state died indirectly after he fell from a ladder while removing debris from his roof. Use fall protection and a licensed crew for any post-storm work.
Services
Roofing services in Union Park
- Roof replacementTear-off, deck, code items and the two inspections.Re-roofs in Union Park
- Roof repairLeaks, lifted shingles, cracked tile and flashing.Repairs in Union Park
- Roof inspectionsRoof age, condition and what an insurer asks about.Inspections in Union Park
- Commercial roofingLow-slope systems, drainage and the code for buildings.Commercial roofs in Union Park
- New construction roofingDry-in, the sheathing inspection and the code edition.New construction in Union Park
- GuttersSizing for Florida rain, downspouts and fascia.Gutters in Union Park
Questions
Union Park roofing questions
What is the 25 percent roof rule in Florida?
Under the 25 percent rule, you can fix or swap out only so much of an existing roof within a 12-month window before the entire roof system must meet current code. That cap covers 25 percent of the roof's total area. The state building code sets this rule, and the Orange County Division of Building Safety enforces it for Union Park homes. A roof built or repaired to the 2007 Florida Building Code or later may qualify for a narrower exception, so check the permit record before you plan the work.
Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026
What is the 15 year roof rule in Florida?
The 15 year roof rule comes from Florida Statute 627.7011(5), which limits how insurers treat roofs 15 years or older. Your policy cannot be refused or dropped only because the roof on your home is younger than 15 years. Once your roof reaches 15 years of age, an authorized inspector must be permitted by the insurer to look it over, and you cover that inspection cost. The insurer still cannot refuse or drop coverage based only on the roof's age when that inspection finds at least 5 years of useful life remaining. The median home in Union Park was built in 1987, so many roofs here are old enough for this rule to matter.
Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026
Who issues roofing permits in Union Park, FL?
Union Park is a census-designated place with no city government, so the Orange County Division of Building Safety issues roof permits. You submit applications and schedule inspections through the county's online Fast Track portal. If work hasn't started within 6 months of issuance, the permit is no longer valid.
Source: Orange County Division of Building Safety, read Oct 5, 2026
How old are most homes in Union Park?
The median home in Union Park was built in 1987, with a margin of error of plus or minus 6 years. Only 0.7 percent of homes were built in 2010 or later, while 41.7 percent were built before 1980. Many roofs here are likely past 25 years old, so an inspection is worth scheduling if yours is.
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034, read Oct 5, 2026
Does rain in Orlando affect roofs more than wind?
Heavy rain is a constant concern here. Orlando International averages 51.45 inches of rain a year, and about 45 percent falls June through August. A 1-hour storm in a 10-year event drops 2.93 inches an hour, so flashing and drainage deserve close attention. Hurricane Irma in 2017 also brought a peak gust of 69 knots at Orlando International.
Source: NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, read Oct 5, 2026
Orange County
More in Orange County
Sources for this page(23)
- 1.Share of homes built 2010 or later: 0.7%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
- 2.Share of homes built before 1980: 41.7%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
- 3.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
- 4.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, tables B25034/B25035. Read Oct 5, 2026.
- 5.Permit office: Orange County Division of Building Safety. Orange County Division of Building Safety. Read Oct 10, 2026.
- 6.Orange County Government, Division of Building Safety. Read Oct 5, 2026.
- 7.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API. Read Oct 5, 2026.
- 8.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
- 9.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
- 10.Hurricane Ian (2022). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
- 11.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
- 12.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
- 13.Median year homes were built: 1987. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
- 14.People (2020 Census): 10,452. U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER) (2020 Census count). Read Oct 5, 2026.
- 15.Owner-occupied share of occupied homes: 60.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
- 16.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
- 17.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 18.Orange County Division of Building Safety, ocfl.net. Read Oct 5, 2026.
- 19.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 20.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Union Park 2020 Census internal point (28.5669, -81.2386), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 21.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
- 22.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), National Weather Service. Read Oct 5, 2026.
- 23.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
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