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Re-roofs · Ocean Ridge

Roof replacement in Ocean Ridge, FL

The median home in Ocean Ridge was built in 1974, and that single fact shapes most roof decisions here. Many roofs on the island are likely past the age where owners should plan a replacement. A roof replacement in this town runs through the Town of Ocean Ridge building office, and the rules that govern it are set statewide.

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Updated October 2026

Drone view looking down on a gray-blend shingle roof with two front gables, a debris container and a pickup in the driveway beyond.

Ocean Ridge figures this page uses

Share of homes built before 1980
62.5%
Share of homes built 2010 or later
4.9%
Median year homes were built
1974

Housing age

Why an Ocean Ridge roof is often older

About 62.5 percent of homes in Ocean Ridge were built before 1980, compared with 33.5 percent across Palm Beach County. Given that, many roofs in this area are probably older than 25 years. Owners of older roofs should expect a closer look from their insurer.

Only 4.9 percent of homes were built in 2010 or later. Few roofs on the island are new, so most owner decisions will involve tear-off and replacement rather than a recent warranty period.

Permits and rules

Securing a re-roof permit and clearing the required inspections in Ocean Ridge is handled as part of the project

Permit applications for Ocean Ridge are handled by the Town of Ocean Ridge Building and Zoning office. Confirm current forms there before work starts.

Under the 25 percent rule, no more than 25 percent of the total roof area can be repaired or replaced in any 12-month period unless the entire roof covering is replaced. Your roof only has to meet current code in the sections you repair, provided the original work was done to the 2007 Florida Building Code or newer.

The Florida Building Code's 2023 Eighth Edition took effect December 31, 2023, and the Ninth Edition becomes effective December 31, 2026. Any permit filed on or after that date has to follow the new edition.

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Questions

Roof replacement in Ocean Ridge: questions

What is the 25% roof rule in Florida?

The 25 percent rule limits how much of a roof can be repaired or replaced in any 12-month period without bringing the whole roof covering up to code. In Ocean Ridge, the rule is enforced through the Town of Ocean Ridge building office. Redoing more than a quarter of the roof area means the whole covering gets replaced. That carve-out covers roofs originally built under the 2007 Florida Building Code or a later edition.

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

Related: Roof replacement

What is the new law in Florida about roofs?

The statewide building code governs roof replacement, and the 2023 Eighth Edition took effect December 31, 2023. The Ninth Edition takes effect December 31, 2026, so any permit application filed on or after that day must meet its requirements. Owners in Ocean Ridge should check the Town of Ocean Ridge building office for the edition that applies to their permit.

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

Related: Roof replacement

Does my insurer require a roof inspection in Ocean Ridge?

Florida law sets rules for insurers on roofs older than 15 years. Under Fla. Stat. 627.7011(5), an insurer may let the homeowner have an authorized inspector check the roof at the homeowner's expense. Confirm the requirements with your insurer or agent, since many Ocean Ridge homes were built around 1974.

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

Related: Roof replacement

Nearby

Roof replacement near Ocean Ridge

Sources for this page(26)
  1. 1.Share of homes built before 1980: 62.5%. 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.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.
  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 B25004, via Census Reporter API. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  7. 7.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.
  8. 8.Share of homes built 2010 or later: 4.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  9. 9.Permit office: Town of Ocean Ridge - Building & Zoning. Town of Ocean Ridge - Building & Zoning. Read Oct 10, 2026.
  10. 10.Median year homes were built: 1974. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  12. 12.2023 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).
  13. 13.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  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.Florida Statutes, section 553.73 (2026). Read Oct 4, 2026.
  17. 17.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  18. 18.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  19. 19.Town of Ocean Ridge - Building & Zoning, Town of Ocean Ridge. Read Oct 5, 2026.
  20. 20.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  21. 21.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. 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.
  25. 25.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Ocean Ridge 2020 Census internal point (26.5309, -80.0468), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  26. 26.Wikipedia, 'Ocean Ridge, Florida' (revision 1375550318), Wikipedia. Read Oct 5, 2026.

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Roof replacement in Ocean Ridge

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