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Pasco County ยท Census-designated place

Roofing in Elfers, Florida

Hurricane Hermine in 2016 pushed the Anclote River to 25.08 feet at Elfers, about 7 feet above flood stage. That flood is the reason many local roof and home decisions now start with water. Elfers is an unincorporated place, so the county, not a city, issues roof permits. Most homes here are older, and that changes what a roof needs and what an insurer may ask for.

Request a quote407-242-2840

Updated October 2026

Weathered wooden historic house with a shingled roof behind chain-link fencing beside a large oak tree and an empty parking lot.
Photo: Elfers Baker House01 by Ebyabe, CC BY 2.5, cropped

At a glance

Elfers homes at a glance

People (2020 Census)
14,573
Median year homes were built
1975
Share of homes built before 1980
76.8%
Share of homes built 2010 or later
4.2%
Owner-occupied share of occupied homes
64.5%

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

Housing age

Most Elfers homes were built around 1975

The median home here was built in 1975, and 76.8 percent of homes date from before 1980. Compared with Pasco County as a whole, where 28 percent of homes are that old, Elfers has far more older stock. That suggests many roofs here have already passed the age where they should be inspected.

Insurance rules make roof age matter more. Citizens Property Insurance asks for documentation of at least five years of remaining useful life on roofs older than 25 years if the roof is shingle, and older than 50 years if it is a hard roof such as tile or metal. A roof that old may need an inspection report before it is covered.

Mobile homes

Mobile homes and roof work in Elfers

About 9.9 percent of housing units in Elfers are mobile homes. If your home is a manufactured building, the code year it was built under matters. Under the Florida Building Code, a building made before March 1, 2002 was built under the older Standard Building Code, and one made after was built under the Florida Building Code. Check your home's data plate and tell your roofer the year before any work is quoted.

Florida also requires roofing products sold for wind protection to carry state approval. You can check a product's FL number on the Florida Building Commission product approval search before you buy. A product may not be sold as hurricane protection unless it is approved under the statute.

Permits

Who issues roof permits in Elfers

Elfers is a census-designated place, not a city, so roof permits are issued by Pasco County Building Construction Services. Ask the county office whether your roof job needs a permit before work starts, and whether any local review applies to your property.

Under the Florida Building Code, not more than 25 percent of a roof can be replaced or recovered in any 12-month period unless the whole roof system is replaced. A roof built or repaired to the 2007 code or later has an exception, so confirm which applies with the county office. A permit that sits without work can also expire, so confirm the start and inspection dates.

Building permits

Pasco County Building Construction Services

Official building page

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

Storms and rain

Storm and rain risk for an Elfers roof

Pasco County has more than 24 miles of coastline. Across Pasco, Hurricane Ian in 2022 mostly left light harm: some shingles torn off and a few trees knocked down. Hurricane Irma in 2017 damaged numerous homes. A 2022 tornado near New Port Richey damaged three cars with a downed tree.

Rain is the larger local concern. NOAA's Atlas 14 estimates a 1-hour rain in a 10-year storm at 2.94 inches an hour here, and 13.3 inches of rain over 24 hours in a 100-year storm. Walk the roof edges and gutters after heavy rain and look for ponding and staining.

Local record

On record for Elfers

  • Hurricane Hermine (2016): the Anclote River crested at 25.08 ft at Elfers, about 7 ft above flood stage and 1 ft above major flood stage.
  • Tornado (2022-05-31, NOAA location Elfers): tornado near New Port Richey; three cars damaged by a downed tree.
  • Seasonal/occasional-use homes are 10% of all housing units.
  • NOAA Storm Events 2016-2025 lists 7 local storm reports referenced to ELFERS: 3 flood, 2 hail, 1 thunderstorm wind, 1 tornado; largest hail 1.00 in.

Services

Roofing services in Elfers

Questions

Elfers roofing questions

What is the 15 year roof rule in Florida?

Florida does not set one fixed 15 year rule for every roof, and the rules that apply depend on your roof's age and your insurer. Citizens Property Insurance asks for at least five years of remaining useful life on roofs older than 25 years if they are shingle. Many homes in Elfers were built around 1975, so many roofs here are likely in that range. Ask your insurer which requirement applies to your roof.

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

Related: Roof inspections

What is the new law in Florida about roofs?

Florida's Eighth Edition of the Building Code went into force on December 31, 2023, and the Ninth Edition is scheduled to replace it on December 31, 2026. Any permit request filed on that date or later has to meet the newer edition's requirements. If you plan roof work in Elfers after that date, ask Pasco County Building Construction Services which edition applies to your permit.

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

Related: Roof replacement

Do I need a permit for a roof in Elfers?

Elfers is an unincorporated place, so Pasco County Building Construction Services issues roof permits here. Call the county office before work starts and ask whether your job needs a permit. Ask how long the permit stays valid, since a permit can become invalid if work does not start within 6 months of issuance.

Source: Pasco County Building Construction Services, read Oct 5, 2026

Related: Roof replacement

Is my mobile home roof covered by the same code as a site-built home?

Not always. About 9.9 percent of housing units in Elfers are mobile homes. Find your home's build year on its data plate and share it with the county office before any roof work.

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

Related: Roof replacement

How much rain can an Elfers roof face in a storm?

NOAA's Atlas 14 estimates that a 1-hour rain in a 10-year storm here falls at 2.94 inches an hour, and a 24-hour rain in a 100-year storm reaches 13.3 inches. Hurricane Hermine in 2016 pushed the Anclote River to 25.08 feet at Elfers. Check gutters and roof edges after heavy rain and look for water staining in ceilings.

Source: NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Elfers 2020 Census internal point (28.2148, -82.7216), read Oct 5, 2026

Related: Roof repair

Nearby

Near Elfers

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Pasco County

More in Pasco County

Sources for this page(35)
  1. 1.Median year homes were built: 1975. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 76.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.Hurricane Hermine (2016). NHC TCR AL092016; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  5. 5.Hurricane Irma (2017). NOAA NCEI Storm Events Database, event 721945 (Tropical Storm, 2017-09-10, zone/county INLAND PASCO), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  6. 6.Hurricane Ian (2022). NOAA NCEI Storm Events Database, event 1058671 (Tropical Storm, 2022-09-28, zone/county COASTAL PASCO), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  7. 7.Pasco County, Coastal Management. Read Oct 5, 2026.
  8. 8.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  9. 9.Mobile homes, share of housing units: 9.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  10. 10.Permit office: Pasco County Building Construction Services. Pasco County Building Construction Services. Read Oct 10, 2026.
  11. 11.NOAA NCEI Storm Events Database, event 1018303 (Tornado, 2022-05-31, zone/county PASCO), bulk details file. Read Oct 5, 2026.
  12. 12.City of New Port Richey, Flood Risk (read via WebFetch). Read Oct 5, 2026.
  13. 13.NOAA NCEI Storm Events Database, event 1058671 (Tropical Storm, 2022-09-28, zone/county COASTAL PASCO), bulk details file. Read Oct 5, 2026.
  14. 14.NHC Tropical Cyclone Report, Hurricane Hermine (AL092016). Read Oct 5, 2026.
  15. 15.NOAA NCEI Storm Events Database bulk details files 2016-2025 (operator count by BEGIN_LOCATION; event ids: 654787, 721594, 760049, 1018291, 1018292, 1018303, 1293432). Read Oct 5, 2026.
  16. 16.People (2020 Census): 14,573. U.S. Census Bureau, 2020 Census counts (POP100/HU100) and 2020 TIGER land/water area, via TIGERweb tigerWMS_Census2020 layer 28 (2020 Census count). Read Oct 5, 2026.
  17. 17.Share of homes built 2010 or later: 4.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  18. 18.Owner-occupied share of occupied homes: 64.5% (3,630 of 5,625 occupied units). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  19. 19.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, B25001, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  22. 22.NHC TCR AL092016; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.NOAA NCEI Storm Events Database, event 721945 (Tropical Storm, 2017-09-10, zone/county INLAND PASCO), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  24. 24.NOAA NCEI Storm Events Database, event 1058671 (Tropical Storm, 2022-09-28, zone/county COASTAL PASCO), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  25. 25.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  26. 26.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  29. 29.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.
  30. 30.Pasco County Building Construction Services, Pasco County Building Construction Services. Read Oct 5, 2026.
  31. 31.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  32. 32.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Elfers 2020 Census internal point (28.2148, -82.7216), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  33. 33.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Elfers 2020 Census internal point (28.2148, -82.7216), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 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.

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