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Pasco County ยท Census-designated place

Roofing in Hudson, Florida

In January 2017, water ran over U.S. 19 in Hudson, about 2 feet above high tide. Coastal flooding is a real risk here, not only a storm-season worry. Roofs on Hudson homes sit inside a mix of older houses, mobile homes and seasonal units, and each group faces different rules. Your roof starts with knowing which group your home belongs to.

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Updated October 2026

Two-story waterfront home with a covered balcony and tiki hut beside a canal dock at dusk.
Photo: Hudson Beach, Florida, Sunset by Michelle Maria, CC BY 3.0, cropped

At a glance

Hudson homes at a glance

People (2020 Census)
12,944
Median year homes were built
1984
Share of homes built before 1980
38.1%
Share of homes built 2010 or later
2.7%
Owner-occupied share of occupied homes
77.1%

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

Roof age in Hudson

Roof age across Hudson's 1984-era housing stock

The median Hudson home was built in 1984, plus or minus 2 years. About 38 percent of homes here were built before 1980. That suggests many original roofs are well past a typical shingle life, and an older roof may be the first thing to check.

Only about 2.7 percent of homes were built in 2010 or later. Newer roofs are uncommon here, so most roof questions will come from older stock. For a shingle roof more than 25 years old, or a tile or metal roof more than 50 years old, Citizens Property Insurance wants proof of at least five years of remaining useful life. Confirm the requirement with your own insurer or agent.

Mobile home roofs

Mobile homes and the 25 percent rule

Mobile homes make up 26.5 percent of Hudson housing units, against 17 percent for Pasco County as a whole. If your home is one of them, your roof work follows the building code in force when the home was made, which may differ from a site-built house.

Florida's 25 percent rule limits how much of an existing roof can be repaired or replaced in any 12-month period unless the whole roof system is replaced. Hudson homes built under the 2007 code or later may qualify for an exception that limits what must meet current code. Ask the Pasco County building office which rule applies to your specific roof before work starts.

  • Coastal flooding (2017-01-22): water over U.S. 19 in Hudson, about 2 ft above high tide.
  • Pasco County says the Hudson and Gulf Harbors areas were studied in 2020 for channel dredging to the Gulf of Mexico.
  • Idalia (2023): Pasco peak gust 45 mph near Hudson.
  • Mobile homes are 27% of housing units.
  • Seasonal/occasional-use homes are 16% of all housing units.
  • Older population: 46% of residents are 65 or older (county: 22%); median age 63.8.

Permits and local review

Who issues roof permits in Hudson

Hudson is an unincorporated census-designated place, so roof permits come from Pasco County Building Construction Services rather than a city office. Check the county's permit page for current requirements before you sign a contract.

Work must begin within 6 months of issuance or the permit lapses, and a stoppage lasting 6 months has the same effect. Filing an application starts a 180-day clock, and after that the application is treated as abandoned unless you keep actively working on it in good faith. Keep track of these dates on any roof job.

Pasco County reports that the Hudson and Gulf Harbors areas were studied in 2020 for channel dredging to the Gulf of Mexico. That study does not change a roof permit, but it shows the coastal area is under county attention. Ask the building office whether any local review applies to your lot.

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 rainfall

Storms and rain near Hudson

During Hurricane Idalia in 2023, the peak gust near Hudson reached 45 mph. Pasco County averages about 53 inches of rain a year at Saint Leo, and about 77 days a year bring at least a tenth of an inch. Heavy rain tests roof flashing and drainage more than wind does.

Hurricane Ian in 2022 caused damage in Pasco that was mostly minor, limited to shingles and downed trees. Hurricane Irma in 2017 damaged numerous homes in the county, and FEMA declared a major disaster there. A roof with loose or missing shingles should be inspected after any storm.

Services

Roofing services in Hudson

Questions

Hudson roofing questions

What is the 25% roof rule in Florida?

Under the 25 percent rule, the share of an existing roof you may repair, replace or recover within any single 12-month window is capped. Redoing more than a quarter of the roof area is prohibited unless you replace the full roof covering. Roofs built, repaired or replaced under the 2007 Florida Building Code or any later edition fall outside this restriction. Hudson homes built under that code may fall under the exception. Confirm which rule applies to your roof with Pasco County Building Construction Services.

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

Related: Roof replacement

Who issues roof permits in Hudson, Florida?

Hudson is an unincorporated census-designated place, so roof permits come from Pasco County Building Construction Services. It is not handled by a city. Check the county's permit page before you sign a contract, and ask whether any local review applies to your lot.

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

Related: Roof replacement

How old are most roofs in Hudson?

The median Hudson home was built in 1984, plus or minus 2 years. About 38 percent of homes were built before 1980, which suggests many original roofs are well past typical shingle life. Only 2.7 percent of homes were built in 2010 or later.

Source: 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

Related: Roof inspections

Will my insurer require a roof inspection in Hudson?

To qualify, a roof older than 25 years with shingles, or older than 50 years with tile, slate, clay, concrete or metal, needs records showing at least five years of remaining useful life, per Citizens Property Insurance. Many Hudson roofs are older than these limits. Contact your own insurer or agent to confirm what they require.

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

Related: Roof inspections

Do mobile homes in Hudson follow the same roof rules?

Mobile homes make up 26.5 percent of Hudson housing units. Their roof work follows the building code in force when the home was made, which may differ from site-built homes. Ask the Pasco County building office which code applies to your home before work starts.

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

Nearby

Near Hudson

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Pasco County

More in Pasco County

Sources for this page(30)
  1. 1.Median year homes were built: 1984. 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: 38.1%. 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, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.Share of homes built 2010 or later: 2.7%. 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.
  5. 5.Mobile homes, share of housing units: 26.5%. 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.
  6. 6.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.
  7. 7.Pasco County, Coastal Management. Read Oct 5, 2026.
  8. 8.Hurricane Hermine (2016). NHC TCR AL092016; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  9. 9.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.
  10. 10.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.
  11. 11.Permit office: Pasco County Building Construction Services. Pasco County Building Construction Services. Read Oct 10, 2026.
  12. 12.NOAA NCEI U.S. Climate Normals 1991-2020, station USC00087851. Read Oct 5, 2026.
  13. 13.U.S. Census Bureau, Vintage 2025 county population estimates (co-est2025-alldata.csv: ESTIMATESBASE2020, POPESTIMATE2025). Read Oct 5, 2026.
  14. 14.NWS Tampa Bay Area/Ruskin, County Impacts narratives (Post Tropical Cyclone Report). Read Oct 5, 2026.
  15. 15.NOAA NCEI Storm Events Database, event 1058671 (Tropical Storm, 2022-09-28, zone/county COASTAL PASCO), bulk details file. Read Oct 5, 2026.
  16. 16.NOAA NCEI Storm Events Database, event 669343 (Coastal Flood, 2017-01-22, zone/county COASTAL PASCO), bulk details file. Read Oct 5, 2026.
  17. 17.People (2020 Census): 12,944. 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.
  18. 18.Owner-occupied share of occupied homes: 77.1% (4,293 of 5,571 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 B01001, B01002, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  21. 21.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.
  22. 22.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.
  23. 23.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  24. 24.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.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  26. 26.NHC TCR AL092016; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.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.
  28. 28.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.
  29. 29.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  30. 30.Pasco County Building Construction Services, Pasco County Building Construction Services. Read Oct 5, 2026.

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