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Central Florida

Roofing in Osceola County

The 2020 Census counted 388,656 people in Osceola County, and the 2020–2024 estimate has climbed to 427,415. More people means more roofs, and the county's housing is young. The median home was built in 2002, so most roofs here are newer than in older Florida counties. Your next step depends on your town, your roof type and who issues your permit.

County seat: Kissimmee

Updated October 2026

Three-storey red brick commercial building with white window trim beside a green-awning storefront and parked cars.
Photo: Kissimmee, Florida by Pokemonprime, CC BY 4.0, cropped

At a glance

Osceola County homes at a glance

People (2020 Census)
388,656
Median year homes were built
2002
Share of homes built 2010 or later
27.4%
Share of homes built before 1980
11.3%
Owner-occupied share of occupied homes
65.3%
Mobile homes, share of housing units
6.7%
Median age
37.1yrs

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

Homes and roof age

How old are Osceola County homes and roofs?

The 2020 Census counted 154,680 housing units in the county. By 2020–2024 the estimate was 171,410. The median year built is 2002, and 27.4 percent of homes went up in 2010 or later. That suggests many roofs are well under 25 years old.

Older homes exist but are a small group: 11.3 percent were built before 1980. Those roofs have likely been replaced at least once. If you own one, find out when the last replacement happened, because Citizens Property Insurance asks for documentation of five years of remaining useful life on shingle roofs older than 25 years.

Single-family detached homes make up 60.5 percent of units, and mobile homes make up 6.7 percent. Those two housing types need different roofing approaches, so confirm what your home is before you compare bids.

Code and wind

What building code and wind speed apply here?

Osceola County is not in the High-Velocity Hurricane Zone, which applies only to Miami-Dade and Broward. The Eighth Edition of the Florida Building Code (2023) has been in force since the last day of 2023. A newer Ninth (2026) Edition arrives December 31, 2026, and any application filed on or after that date must follow it.

St. Cloud states an ultimate design wind speed of 140 mph for Risk Category II buildings, which includes ordinary houses. For other parts of the county, confirm the design wind speed with the permitting office before choosing materials. No county-wide figure is stated here.

Permit offices

Who issues roofing permits in Osceola County?

The county permit office is the Osceola County Building Office, which runs Building and Permits. Kissimmee and St. Cloud run their own permit programs. Check which one covers your address before anyone applies.

A 2026 state law, HB 803, exempts some work from permits, but the county says it covers only qualifying work on single-family homes. It excludes structural work and any property partly or entirely in a flood hazard area. Kissimmee says most home projects still need a permit, and exempt work still requires notifying the City first.

Once a permit is issued, two clocks run. The permit becomes invalid if work does not start within 6 months, or if work stops for 6 months. Before the first inspection, a Notice of Commencement must be recorded and posted, or you may end up paying twice for the improvements.

Building permits

Osceola County Building Office (Building and Permits)

Official building page

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

Storm record

What storms have hit Osceola County roofs?

Hurricane Irma in 2017 affected 183 structures, with 3,934 minor damage, 95 major and 23 destroyed. The peak gust was 58 knots at Kissimmee Gateway Airport. Minor damage was by far the biggest group.

Hurricane Ian in 2022 hit mainly through flooding: 3,200 residential and 900 business structures were affected or damaged. Flooding reached Lake Center and Runnymede Lake in St. Cloud, Mill Slough in Kissimmee, and Boggy Creek. Flood damage is a different problem from wind damage, so a roofer cannot fix it.

Hurricane Milton in 2024 brought gusts of 55 to 65 mph and 3 to 5 inches of rain. Two EF-1 tornadoes crossed rural areas near Kenansville and Holopaw.

  1. 2024Hurricane Milton

    • Gusts 55-65 mph; 3-5 inches of rain; two EF-1 tornadoes crossed rural areas near Kenansville and Holopaw.
  2. 2022Hurricane Ian

    • 3,200 residential and 900 business structures affected or damaged, mainly by historic flooding. Flooding near Lake Center and Runnymede Lake (St. Cloud), Mill Slough and Good Samaritan Village (Kissimmee) and Boggy Creek; 2 deaths.
  3. 2017Hurricane Irma

    • 183 structures affected, 3,934 minor damage, 95 major, 23 destroyed. Peak gust 58 kt at Kissimmee Gateway Airport.

Rain and heat

How do rain and heat wear on a roof here?

Kissimmee gets 52.57 inches of rain a year, and 24.77 inches of it falls from June through August. Kenansville gets 54.88 inches, with 23.14 inches in those months. Summer carries 47 percent and 42 percent of the year's rain at those two stations.

Heat adds to the wear. Kissimmee averages 108.5 days a year at 90 F or hotter, and Kenansville averages 81.0 days. Flashing, sealants and shingle surfaces take that heat for weeks on end each summer.

The National Weather Service calls central Florida the Lightning Capital of the United States. Florida also has the highest number of lightning casualties of all 50 states. After a storm, check the roof and attic before you assume nothing happened.

8.71in/hr5-minute burst, 10-year storm
2.91in/hr1-hour rate, 10-year storm
6.1in24 hours, 10-year storm

NOAA Atlas 14 at Orlando, the nearest point in our data. Source

Local oddities

What is unusual about roofing in this county?

Osceola County covers 1,327.3 square miles of land, and 11.9 percent of its total area is water. That helps explain why Ian's damage was dominated by freshwater flooding. Roofs on lakefront and low-lying lots face water problems that a new roof will not solve.

Mobile homes are 6.7 percent of housing units here. Ask for the build date of any manufactured home before work starts.

St. Cloud has an adopted Historic Preservation Plan. If your St. Cloud home might fall under it, ask the City before you pick a roof material.

Find your town

How do you find the rules for your town?

Start with your address. Four Corners and Buenaventura Lakes sit under county jurisdiction unless a city has annexed them, so confirm with the Osceola County Building Office. Kissimmee and St. Cloud each have their own permit pages. Celebration should be confirmed the same way.

Check that anyone you hire is a roofing contractor. Florida law says a general, building or residential contractor must not advertise as a roofing contractor unless certified or registered as one. Check the state contractor license lookup before you sign.

  • 27.4% of the county's housing units were built in 2010 or later and 11.3% before 1980; the median year built is 2002.
  • Mobile homes are 6.7% of housing units; single-family detached homes are 60.5%.
  • Osceola County: the HB 803 (2026) permit exemption applies only to qualifying work on single-family homes and excludes structural, electrical, plumbing, mechanical and gas work and any property partly or entirely in a flood hazard area.
  • Kissimmee: most home projects still need a permit under the July 1, 2026 rules, and exempt work still requires notifying the City first.
  • St. Cloud: ultimate design wind speed 140 mph for Risk Category II buildings.
  • St. Cloud has an adopted Historic Preservation Plan.
  • Hurricane Irma (2017) damaged about 4,000 structures in the county.

Questions

Roofing questions in Osceola County

Does Osceola County use the High-Velocity Hurricane Zone code?

It does not. Only Miami-Dade and Broward fall in that zone, so Osceola County follows the standard Florida Building Code. The Eighth Edition has been in force since December 31, 2023, and the Ninth (2026) Edition replaces it for applications filed from December 31, 2026. St. Cloud states a 140 mph ultimate design wind speed for ordinary houses.

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

Related: Roof replacement

Who do I call for a roofing permit in Kissimmee?

Kissimmee has its own Permits & Inspections office. Most home projects there still need a permit under the July 1, 2026 rules. Even exempt work requires notifying the City first. If your home is outside city limits, the county permit office, the Osceola County Building Office, handles it.

Source: City of Kissimmee, Permits & Inspections, read Oct 5, 2026

Related: Roof replacement

Are most Osceola County roofs old?

Not on average. The median home was built in 2002, and 27.4 percent of homes date from 2010 or later. That suggests many original roofs are under 25 years old. Only 11.3 percent of homes were built before 1980, and those are the likeliest to be on a second or third roof.

Source: 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

Related: Roof replacement

How many roof sections can I repair in a year?

Not more than 25 percent of a roof area or section in any 12-month period, unless you replace the whole roof or section. A newer roof gets a break: when it was built or redone under the 2007 code or any later edition, only the repaired part has to meet today's code. Local governments cannot amend that exception. In Osceola County, 27.4 percent of homes date from 2010 or later, so many roofs may qualify.

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

Related: Roof replacement

What did Hurricane Ian do to Osceola County?

Mostly flooding. Ian affected or damaged 3,200 residential and 900 business structures, with historic flooding near Lake Center and Runnymede Lake in St. Cloud, Mill Slough in Kissimmee, and Boggy Creek. Two people died. A roofer cannot fix flood damage, so look at the water line before assuming the roof failed.

Source: NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), read Oct 5, 2026

Related: Roof repair

Does Citizens Property Insurance care how old my roof is?

Yes. Citizens requires documentation of at least five years of remaining useful life for roofs older than 25 years for soft roofs such as shingle, or 50 years for hard roofs such as tile, slate, clay, concrete or metal. In Osceola County the median home dates to 2002, so most roofs are likely still under that 25-year line. Your policy terms are between you and your insurer or agent.

Source: Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), read Oct 4, 2026

Related: Roof inspections

Do I need a Notice of Commencement for a roof job?

Often yes. The Florida Building Code says the notice must be recorded and posted on the job site before the first inspection. The permit card also warns you that skipping it may mean paying twice for the improvements. With 65.3 percent of Osceola County homes owner-occupied, many owners sign these contracts directly. The permitting office requires a copy before the first inspection when the contract is above a set amount.

Source: Florida Statutes, section 713.135 (2026), read Oct 5, 2026

Related: Roof replacement

Next door

Neighboring counties we serve

Sources for this page(42)
  1. 1.Housing units (2020 Census): 154,680. U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  2. 2.Housing units (ACS 5-year): 171,410. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  3. 3.Median year homes were built: 2002. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  4. 4.Share of homes built 2010 or later: 27.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  5. 5.Hurricane Milton (2024). NWS Melbourne, County Impacts Associated with Milton (2024). Read Oct 5, 2026.
  6. 6.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API. Read Oct 5, 2026.
  7. 7.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  8. 8.NWS Melbourne, Milton tornado list (CSV). Read Oct 5, 2026.
  9. 9.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.
  10. 10.Share of homes built before 1980: 11.3%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  11. 11.Single-family detached share of housing units: 60.5%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  12. 12.Mobile homes, share of housing units: 6.7%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  13. 13.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. Read Oct 5, 2026.
  14. 14.Osceola County, Building and Permits. Read Oct 5, 2026.
  15. 15.City of Kissimmee, Permits & Inspections. Read Oct 5, 2026.
  16. 16.City of St. Cloud, Permit Information (Building Department). Read Oct 5, 2026.
  17. 17.Permit office: Osceola County Building Office (Building and Permits). Osceola County Building Office (Building and Permits). Read Oct 10, 2026.
  18. 18.Hurricane Ian (2022). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  19. 19.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  20. 20.City of St. Cloud, Historic Preservation. Read Oct 5, 2026.
  21. 21.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  22. 22.NWS Melbourne, Lightning Information Center. Read Oct 5, 2026.
  23. 23.Land area: 1,327.3 sq mi. U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  24. 24.Water share of total area: 11.9%. U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  25. 25.Owner-occupied share of occupied homes: 65.3%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  26. 26.People (2020 Census): 388,656. U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  27. 27.Population estimate (ACS 5-year): 427,415. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  28. 28.Median age: 37.1. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  29. 29.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  30. 30.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  31. 31.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  32. 32.NWS Melbourne, County Impacts Associated with Milton (2024), National Weather Service. Read Oct 5, 2026.
  33. 33.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  34. 34.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  35. 35.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  36. 36.Osceola County Building Office (Building and Permits), Osceola County Building Office. Read Oct 5, 2026.
  37. 37.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  38. 38.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  39. 39.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  40. 40.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  41. 41.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  42. 42.NOAA Atlas 14 at Orlando, the nearest point in our data: 8.71 in/hr (5-minute, 10-year). NOAA Atlas 14 Volume 9 (Southeastern States) version 2, partial-duration series point estimates, via the HDSC PFDS endpoint (ops/research/v3/services/data/noaa-atlas14-florida-rainfall.tsv). Read Oct 5, 2026.

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