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Roofing in Loxahatchee Groves, Florida
Loxahatchee Groves became a town in 2006, and its homes are much older than that. The median home here was built in 1987, and about 26 percent of homes date from before 1980. Roofs on those homes are likely past 25 years, which matters for insurance and for permit rules. Most homes are single-family houses, so the roof decisions usually fall to you as the owner.
Updated October 2026
Housing age
Loxahatchee Groves homes often have roofs that have reached an advanced age
The median home here was built in 1987, close to the county median of 1986. That suggests many original roofs in town are well past 25 years old. A roof that age may already be at the point where your insurer asks for more paperwork.
For soft roofs such as shingle that are over 25 years old, Citizens Property Insurance wants proof of at least five years of remaining useful life. Hard roofs such as tile, slate, clay, concrete or metal get the same check at 50 years. Check the precise rule with your own insurer or agent before you proceed.
Only about one home in ten here was built in 2010 or later. Most of the housing stock predates the current code editions, so a roof replacement here often brings the rest of the roof system up to current rules.
Home types
Mobile homes and single-family homes in town
About 92 percent of housing units here are single-family detached homes, and mobile homes make up about 4.9 percent of units. That is a larger share of mobile homes than the county as a whole, where the figure is 2.8 percent.
If you own a home from before that date, ask the building office which standard applies before you plan a roof change.
Permits
Permits and local review for a roof job here
Roof permits for Loxahatchee Groves are handled through the Town of Loxahatchee Groves permit requirements page. The town published that page. Start your permit questions there.
Under the 25 percent rule, a roof can have no more than a quarter of its area repaired, replaced or recovered within 12 months, unless the entire roof covering is swapped out. When your current roof was constructed under the 2007 code or newer, only the section you repair needs to satisfy present code requirements.
Building permits
Town of Loxahatchee Groves - Permits Requirements & Applications
Official building pageOffice names and links only. Fees, forms and timing change; check the official page.
Weather
Storms and rain that affect roofs here
Only Miami-Dade and Broward fall under the High Velocity Hurricane Zone, so Palm Beach County lies outside it. Roofs here are not held to that zone's stricter rules, though product approval still applies.
The Atlantic hurricane season runs June 1 to November 30, and most activity falls from mid-August to mid-October. Rain is heaviest in the same months: about 67 percent of normal annual rain at West Palm Beach International Airport falls May through October. A 1-hour rain in a 10-year storm falls at 3.17 inches an hour at this location.
In Hurricane Milton on October 9, 2024, an EF-3 tornado did damage at the southern end of its track in the Wellington and Loxahatchee Groves area. Old roofs in that area should get an inspection after a strong storm.
Local record
On record for Loxahatchee Groves
- Rural town incorporated in 2006; early farm developers built almost 30 miles of canals and roads, now maintained by the Loxahatchee Groves Water Control District.
- 92.2% of housing units are single-family detached homes.
Services
Roofing services in Loxahatchee Groves
- Roof replacementTear-off, deck, code items and the two inspections.Re-roofs in Loxahatchee Groves
- Roof repairLeaks, lifted shingles, cracked tile and flashing.Repairs in Loxahatchee Groves
- Roof inspectionsRoof age, condition and what an insurer asks about.Inspections in Loxahatchee Groves
- Commercial roofingLow-slope systems, drainage and the code for buildings.Commercial roofs in Loxahatchee Groves
- New construction roofingDry-in, the sheathing inspection and the code edition.New construction in Loxahatchee Groves
- GuttersSizing for Florida rain, downspouts and fascia.Gutters in Loxahatchee Groves
Questions
Loxahatchee Groves roofing questions
What is the 25% roof rule in Florida?
Within any 12-month span, the 25 percent rule caps how much of a roof may be repaired, replaced or recovered. Unless the whole roof covering is replaced, no more than a quarter of the roof area may be worked on. A roof built under the 2007 Florida Building Code or later only requires the repaired portion to meet current code. That exception cannot be altered by any local ordinance. Check your roof's age and permit history with the Town of Loxahatchee Groves before you schedule work.
Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026
What is the new law in Florida about roofs?
The main code change is the Ninth Edition of the Florida Building Code, which becomes effective December 31, 2026. Any permit application or plan filed on or after that date has to conform to the new edition. The 2023 Eighth Edition took effect December 31, 2023 and governs work until then. Ask the Town of Loxahatchee Groves which edition applies to your permit.
Source: Miami-Dade County RER notice, read Oct 5, 2026
Will my insurer require paperwork for an older roof in Loxahatchee Groves?
The median home here was built in 1987, so many roofs are likely past 25 years old. Citizens Property Insurance requires documentation of at least five years of remaining useful life for roofs older than 25 years if the roof is soft, or 50 years for hard roofs. Confirm the requirement with your own insurer or agent, because each company sets its own rules.
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026
How heavy is rain here during hurricane season?
Most rain falls in the wet season. Roughly 67 percent of typical yearly rainfall at West Palm Beach International Airport comes between May and October, with August posting the heaviest totals. A 1-hour rain in a 10-year storm falls at 3.17 inches an hour at this location. Keep gutters and roof drains clear before the season starts.
Source: NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), read Oct 5, 2026
Do I need a permit to replace my roof here?
Check the Town of Loxahatchee Groves permit requirements page before any roof work. Once a permit is issued it must be started within 6 months, and work that stops for 6 months makes the permit invalid. Ask the town office whether a Notice of Commencement is needed for your job.
Source: Town of Loxahatchee Groves - Permits Requirements & Applications, read Oct 5, 2026
Palm Beach County
More in Palm Beach County
Sources for this page(30)
- 1.Median year homes were built: 1987. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 2.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 3.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.
- 4.Share of homes built 2010 or later: 11.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 5.Single-family detached share of housing units: 92.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 6.Mobile homes, share of housing units: 4.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 7.Permit office: Town of Loxahatchee Groves - Permits Requirements & Applications. Town of Loxahatchee Groves - Permits Requirements & Applications. Read Oct 10, 2026.
- 8.NWS Miami, 'Hurricane Milton' StoryMap (Oct 9, 2024 tornado outbreak; preliminary data). Read Oct 5, 2026.
- 9.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.
- 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.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
- 12.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
- 13.NOAA National Hurricane Center, Tropical Cyclone Climatology. Read Oct 5, 2026.
- 14.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service). Read Oct 5, 2026.
- 15.Wikipedia, 'Loxahatchee Groves, Florida' (revision 1376667548). Read Oct 5, 2026.
- 16.Share of homes built before 1980: 26%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 17.Owner-occupied share of occupied homes: 90.6% (1,025 of 1,131). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
- 18.Year incorporated: 2006. Wikipedia, 'List of municipalities in Florida'. Read Oct 5, 2026.
- 19.People (2020 Census): 3,355. U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 26 (Incorporated Places). Read Oct 5, 2026.
- 20.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
- 21.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
- 22.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 23.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 24.Town of Loxahatchee Groves - Permits Requirements & Applications, Town of Loxahatchee Groves. Read Oct 5, 2026.
- 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
- 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
- 27.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Loxahatchee Groves 2020 Census internal point (26.7210, -80.2772), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 28.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.
- 29.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
- 30.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
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