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Osceola County ยท Census-designated place

Roofing in Buenaventura Lakes, Florida

During Hurricane Ian in 2022, several roads in the Buenaventura Lakes area flooded and water entered at least one home. That was a flood event, but wind and rain still test every roof here. The median home was built in 1989, so many original roofs are likely well past 25 years, and permits come from the Osceola County Building Office.

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Updated October 2026

View from a roof ridge over dark gray architectural shingles toward the street, with two workers beside a black pickup and a gray roll-off container at the curb.

At a glance

Buenaventura Lakes homes at a glance

People (2020 Census)
30,251
Median year homes were built
1989
Share of homes built before 1980
8.4%
Share of homes built 2010 or later
7.6%
Owner-occupied share of occupied homes
74%

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

Housing age

Tell us the age of your house and its current roof

The median Buenaventura Lakes home was built in 1989, against 2002 countywide. Only 7.6 percent of homes here date from 2010 or later, while the county figure is 27.4 percent. That suggests many original roofs are old, though a home's build year does not tell you its roof's age. Check your own roof's permit history.

Of the 10,934 housing units, 82.1 percent are single-family detached and 74 percent of occupied homes are owner-occupied. Mobile homes are only 0.6 percent of units here, compared with 6.7 percent across Osceola County. A mobile home roof follows the federal HUD code, not the Florida Building Code's 2002 starting point.

Insurance and age

What the 15-year insurer rule means for you

Under Florida Statute 627.7011(5), an insurer cannot refuse or non-renew a homeowner's policy solely because a roof is under 15 years old. If your roof is 15 years old or more, your insurer has to allow an authorized inspector to examine it, with the cost falling on you. If that inspection shows 5 or more years of useful life left, age alone cannot be the reason to drop you.

With a 1989 median build year in Buenaventura Lakes, many owners may be near or past that 15-year line on an older roof. Check with your insurer or agent to learn which requirements your policy sets. We explain the rule here but cannot tell you what your policy covers.

  • During Hurricane Ian (2022) several roads in the Buenaventura Lakes area flooded and water entered at least one home.
  • 0.6% of housing units are mobile homes.

Permits and code

Who issues roof permits in Buenaventura Lakes?

Buenaventura Lakes is an unincorporated census-designated place, so the Osceola County Building Office handles roof permits. Osceola County's 2026 HB 803 permit exemption covers only qualifying single-family work. It excludes any property partly or entirely in a flood hazard area, so confirm with the building office before skipping a permit.

The 25 percent rule says that if you repair or replace more than 25 percent of a roof section in 12 months, the whole section must be replaced or recovered. The exception applies only if that roof itself was built or replaced under the 2007 Florida Building Code or later. The 2023 code took effect December 31, 2023, and the Ninth Edition applies to permit applications from December 31, 2026.

Once you have a permit, work must start within 6 months of issuance. The permit also expires once six months pass with no work done. Submit the Notice of Commencement before the first inspection takes place.

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.

Local weather

Storms and rain your roof faces

Hurricane Irma in 2017 affected 183 structures in Osceola County, with a peak gust of 58 knots at Kissimmee Gateway Airport. Hurricane Ian in 2022 affected 3,200 residential structures, mainly through flooding. During Milton in 2024, wind gusts reached 55 to 65 mph while 3 to 5 inches of rain fell.

Kissimmee averages 52.57 inches of rain a year, and 47 percent of it falls in June through August. A 10-year storm here drops 2.87 inches in one hour, by NOAA Atlas 14. Flashing, valleys and gutters carry that load, so check them each spring.

Services

Roofing services in Buenaventura Lakes

Questions

Buenaventura Lakes roofing questions

What is the 15 year roof rule in Florida?

Under Florida Statute 627.7011(5), an insurer may not refuse or non-renew a homeowner's policy solely because a roof is under 15 years old. When a roof is 15 years old or older, the insurer is required to permit an authorized inspector to check it, paid for by you. If the inspection shows 5 or more years of useful life left, age alone cannot be the reason to refuse or non-renew. Many homes in this area were built around 1989, so roofs of this age are common here, which makes the inspection rule especially relevant. Speak with your insurer or agent to find out how this rule fits your policy.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Related: Roof inspections

What is the 25% roof rule in Florida?

Should more than 25 percent of any roof section get repaired, replaced or recovered within a 12-month window, that entire section must then be replaced or recovered. An exception applies only when that roof was built, repaired or replaced under the 2007 Florida Building Code or later. In that case, only the portion that was repaired has to satisfy the current code. Confirm your situation with the Osceola County Building Office.

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

Related: Roof replacement

Who pulls the roof permit in Buenaventura Lakes?

The Osceola County Building Office issues roof permits here, because Buenaventura Lakes is an unincorporated census-designated place. Osceola County's 2026 HB 803 exemption covers only qualifying single-family work and excludes properties in a flood hazard area. After the Ian flooding in 2022, confirm with the building office before you skip a permit.

Source: Osceola County Building Office (Building and Permits), read Oct 5, 2026

Related: Roof replacement

Do mobile homes in Buenaventura Lakes follow the same roof code?

Mobile homes are 0.6 percent of housing units in Buenaventura Lakes, compared with 6.7 percent across Osceola County. Call the Osceola County Building Office to confirm what a repair or replacement requires.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024, read Oct 5, 2026

Related: Roof replacement

How much rain can a roof here see in an hour?

By NOAA Atlas 14, a 10-year storm drops 2.87 inches in one hour at Buenaventura Lakes, and a 100-year storm 3.86 inches. A 24-hour 100-year storm reaches 11 inches. Kissimmee averages 52.57 inches of rain a year, so keep gutters and valleys clear before the June through August peak.

Source: NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Buenaventura Lakes 2020 Census internal point (28.3334, -81.3522), read Oct 5, 2026

Related: Roof repair

Nearby

Near Buenaventura Lakes

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Osceola County

More in Osceola County

Sources for this page(32)
  1. 1.Median year homes were built: 1989. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built 2010 or later: 7.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  3. 3.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.
  4. 4.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  7. 7.Housing units (ACS 5-year): 10,934. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Single-family detached share of housing units: 82.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  9. 9.Owner-occupied share of occupied homes: 74%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  10. 10.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. Read Oct 5, 2026.
  11. 11.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. Read Oct 5, 2026.
  12. 12.Mobile homes, share of housing units: 0.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  13. 13.Osceola County, Building and Permits. Read Oct 5, 2026.
  14. 14.Permit office: Osceola County Building Office (Building and Permits). Osceola County Building Office (Building and Permits). Read Oct 10, 2026.
  15. 15.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  16. 16.Hurricane Ian (2022). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  17. 17.Hurricane Milton (2024). NWS Melbourne, County Impacts Associated with Milton (2024). Read Oct 5, 2026.
  18. 18.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API. Read Oct 5, 2026.
  19. 19.People (2020 Census): 30,251. U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER) (2020 Census count). Read Oct 5, 2026.
  20. 20.Share of homes built before 1980: 8.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  21. 21.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  22. 22.Florida Statutes, section 627.7011 (2026), Florida Legislature. Read Oct 4, 2026.
  23. 23.Osceola County Building Office (Building and Permits), Osceola County Building Office. Read Oct 5, 2026.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  25. 25.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  26. 26.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  27. 27.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  28. 28.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  29. 29.NWS Melbourne, County Impacts Associated with Milton (2024), National Weather Service. Read Oct 5, 2026.
  30. 30.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Buenaventura Lakes 2020 Census internal point (28.3334, -81.3522), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Buenaventura Lakes 2020 Census internal point (28.3334, -81.3522), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  32. 32.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER) (2020 Census count), U.S. Census Bureau. Read Oct 5, 2026.

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