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Re-roofs ยท Treasure Island

Roof replacement in Treasure Island, FL

The median home on Treasure Island was built in 1970, with a margin of error of plus or minus 3 years. That suggests many roofs here are older than their first decades, and an aging roof is the most common reason an owner starts a replacement. Most owners will need a city permit before any tear-off begins.

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Updated October 2026

People wade and swim in turquoise shallows beside a sandy beach lined with pine trees and umbrellas.
Drone view looking down on a gray-blend shingle roof with two front gables, a debris container and a pickup in the driveway beyond.Our work
Photo: Sunset Beach,Treasure Island,Florida. by Roman Eugeniusz, CC BY-SA 3.0, cropped

Treasure Island figures this page uses

Housing units (ACS 5-year)
6,192
Share of homes built before 2000
93.6%
Share of homes built 2010 or later
3%
Share of homes built before 1980
75.3%

Housing age

Why so many Treasure Island roofs are older

The Census estimate puts 93.6 percent of the island's 6,192 housing units built before 2000. Just 3 percent of these roofs were installed in 2010 or after. The island is also a barrier island about three feet above sea level, and much of its land came from dredged fill after the war. Those facts explain why the building stock is so uniform in age.

Three out of four homes, 75.3 percent, were built before 1980. A roof on a house that old has often been patched more than once. Most owners of a 1970s home should expect the covering, the decking or both to need attention, and a licensed roofer can check the deck before any estimate.

Permits

Who issues the roof permit on Treasure Island

The City of Treasure Island runs its own Building Division, so you apply to the city and not to Pinellas County. The city states its wind speed requirements as 147-150 mph, Wind Exposure D. Confirm the current forms with the Building Division before you file.

  • Apply to the city Building Division before tear-off starts.
  • Prior to any inspection, submit a Notice of Commencement and post a copy where it can be seen on the site.
  • If work hasn't begun within 6 months of issuance, the permit expires.
  • Expect the city to schedule inspections during the job, including the final.

Florida rule

The 25% rule for re-roofing in Pinellas

If more than 25 percent of a roof is repaired or replaced within 12 months, the full roof covering must be replaced. That carve-out covers roofs built or repaired under the 2007 Florida Building Code or newer, and in that case only the repaired section has to satisfy current code. Ask the Building Division which edition your roof was built under.

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Questions

Roof replacement in Treasure Island: questions

Do I need a permit to replace a roof on Treasure Island?

Yes, a re-roof on Treasure Island needs a permit from the City of Treasure Island Building Division, not from Pinellas County. The city runs its own building department and states its wind speed requirements as 147-150 mph, Wind Exposure D. Ask the Building Division for the current forms, and confirm the Notice of Commencement rules before work begins.

Source: City of Treasure Island - Building Division, read Oct 5, 2026

Related: Roof replacement

How old are most homes on Treasure Island?

The Census median build year here is 1970, with a margin of error of plus or minus 3 years. About 75.3 percent of homes were built before 1980, and only 3 percent date from 2010 or later. Many roofs on these homes are likely past their first decades, so an older roof is common here.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof replacement

What is the 25% roof rule in Florida?

Under the building code, if more than 25 percent of a roof is repaired or replaced within 12 months, the full roof covering must be replaced. The carve-out covers any existing roof built or repaired under the 2007 Florida Building Code or newer. Confirm which code your roof falls under with the City of Treasure Island Building Division.

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 main code change for roofs is the Ninth Edition of the Florida Building Code, effective December 31, 2026. Any permit application filed on or after that date has to conform to the new edition. The Florida Building Code took effect in its 2023 Eighth Edition on December 31, 2023, so check which edition your project falls under.

Source: Miami-Dade County RER notice, read Oct 5, 2026

Related: Roof replacement

Does my insurer need a roof age report on Treasure Island?

An insurer in Florida cannot turn down a homeowner policy just because the roof is younger than 15 years. When a roof is 15 years old or more, the insurer has to allow an authorized inspector to examine it, with you covering the cost. Send coverage questions to your insurer or agent, who can explain what your policy requires.

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

Related: Roof replacement

Nearby

Roof replacement near Treasure Island

Sources for this page(32)
  1. 1.Housing units (ACS 5-year): 6,192. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25001, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 2000: 93.6%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Share of homes built 2010 or later: 3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Wikipedia, "Treasure Island, Florida" (secondary source). Read Oct 5, 2026.
  5. 5.U.S. Census Bureau ACS 2020-2024 5-year, tables B25035 and B25034. Read Oct 5, 2026.
  6. 6.Share of homes built before 1980: 75.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Owner-occupied share of occupied homes: 74.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Median year homes were built: 1970. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  9. 9.Permit office: City of Treasure Island - Building Division. City of Treasure Island - Building Division. Read Oct 10, 2026.
  10. 10.City of Treasure Island, Building Division (official). Read Oct 5, 2026.
  11. 11.Pinellas County, "Building Departments in Pinellas County" (official). Read Oct 5, 2026.
  12. 12.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  13. 13.City of St. Pete Beach; Town of Redington Shores; City of Largo (official). Read Oct 5, 2026.
  14. 14.2023 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").
  15. 15.2023 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).
  16. 16.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  17. 17.Miami-Dade County RER notice. Read Oct 5, 2026.
  18. 18.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  19. 19.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  20. 20.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.City of Treasure Island - Building Division, City of Treasure Island. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  24. 24.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.Wikipedia, "Pinellas County, Florida" (secondary), Wikipedia. Read Oct 5, 2026.
  27. 27.City of St. Petersburg; City of Tarpon Springs (official); Wikipedia (St. Pete Beach), City of St. Petersburg. Read Oct 5, 2026.
  28. 28.NOAA NCEI U.S. Climate Normals 1991-2020, stations USC00087886 ST PETERSBURG and USW00012873 ST PETERSBURG INTL AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  29. 29.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Treasure Island 2020 Census internal point (27.7640, -82.7688), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  30. 30.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  31. 31.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  32. 32.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Treasure Island 2020 Census internal point (27.7640, -82.7688), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof replacement in Treasure Island

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