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Re-roofs ยท Palm Beach

Roof replacement in Palm Beach, FL

Half of Palm Beach's homes were likely built around 1970, with a median build year of 1970. That suggests many roofs here are past their original life. A replacement in Palm Beach is a permitted job with specific Florida rules, and knowing them early keeps the work on schedule.

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Updated October 2026

Aerial view of a coastal city with a waterway, causeway bridges, and highways under clear blue sky.
Drone view of a single-story home mid re-roof: part of the roof stripped to white synthetic underlayment, the rest still in gray shingles, a dump trailer of debris and a pickup in the driveway.Our work
Photo: Palm Beach Florida photo by Don Ramey Logan by Don Ramey Logan, CC BY 4.0, cropped

Palm Beach figures this page uses

Share of homes built before 1980
70%
Share of homes built 2010 or later
3.8%
Median year homes were built
1970

Housing age

How the age of Palm Beach homes affects your roofing choices

About 70 percent of Palm Beach housing units were built before 1980. Only 3.8 percent went up in 2010 or later. Many roofs on these houses probably date to construction or are close to that original age.

The majority of properties in this area are multi-unit buildings rather than detached homes. Nearly two-thirds of units sit in buildings with ten or more units. If you own one unit in a larger building, the association usually handles the roof, so confirm who holds that decision before you plan.

Owners of older homes should pull their insurance file. Florida law lets insurers require an inspection for roofs 15 years or older, and a roof with at least five years of useful life left can avoid a non-renewal based on age alone.

Permits and code

How the 25 percent rule and permit requirements apply in Palm Beach

The Town of Palm Beach Planning, Zoning and Building Department issues the permits for roof work there. Confirm the current requirements there before work starts, because the town publishes its own post-storm permitting guidance.

Under the 25 percent rule, no more than 25 percent of the roof area can be repaired or replaced in any 12-month period unless the whole roof covering is redone. A roof built to the 2007 Florida Building Code or later can keep its partial repairs under the older standard.

Storms and rain

Storms and rain for a Palm Beach re-roof

Unlike Miami-Dade and Broward, Palm Beach County does not fall inside the High Velocity Hurricane Zone. That does not remove wind design rules. Confirm the wind speed for your address before you choose a system.

Atlantic hurricane season stretches from June 1 through November 30, reaching its high point around September 10. Hurricane Irma in 2017 pushed storm surge of 2 to 4 feet over coastal Palm Beach County, so plan replacements well ahead of the peak.

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Questions

Roof replacement in Palm Beach: questions

Do I need a permit to replace my roof in Palm Beach?

Yes. Roof replacement needs a permit from the Town of Palm Beach Planning, Zoning and Building Department. The permit must be issued before work starts, and a permit becomes invalid if work does not begin within 6 months. Ask the department which forms and contractor documents it requires before you sign a contract.

Source: Town of Palm Beach - Planning, Zoning & Building Department, read Oct 5, 2026

Related: Roof replacement

How old are most homes in Palm Beach?

The median home here was built in 1970, and about 70 percent of units were built before 1980. Many roofs on these homes are likely original or near the end of their life, so an age check is a sound first step.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof replacement

What is the 25% roof rule in Florida?

No more than 25 percent of a roof can be repaired or replaced in any 12-month period unless the whole covering is redone. Under the 2007 code exception, a roof built to that standard can keep partial repairs under the older rules.

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

Related: Roof replacement

Does Citizens need a roof age document for my home?

Citizens requires documentation showing at least five years of remaining useful life for roofs older than 25 years with shingles, or 50 years for tile, slate, clay, concrete or metal. Confirm the exact requirement with Citizens or your agent before you file.

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

Related: Roof replacement

Nearby

Roof replacement near Palm Beach

Sources for this page(28)
  1. 1.Share of homes built before 1980: 70%. 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.Share of homes built 2010 or later: 3.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, 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, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Permit office: Town of Palm Beach - Planning, Zoning & Building Department. Town of Palm Beach - Planning, Zoning & Building Department. Read Oct 10, 2026.
  6. 6.Official website: Town of Palm Beach, Post-Storm Permitting Plan 2026. 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.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  9. 9.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  11. 11.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  12. 12.Median year homes were built: 1970. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.2023 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).
  15. 15.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  16. 16.2023 Florida Building Code, Building, 8th ed., Chapter 1 (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). Source URL inherited from C-3 (the research cites it "as C-3").
  17. 17.OIR form. Read Oct 4, 2026.
  18. 18.NOAA NHC. Read Oct 5, 2026.
  19. 19.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  20. 20.Town of Palm Beach - Planning, Zoning & Building Department, townofpalmbeach.com. Read Oct 5, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.Wikipedia, 'Palm Beach, Florida' (revision 1373516471), Wikipedia. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Palm Beach 2020 Census internal point (26.6948, -80.0419), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Palm Beach 2020 Census internal point (26.6948, -80.0419), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

South Fork Roofing

Roof replacement in Palm Beach

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