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Re-roofs ยท Medulla

Roof replacement in Medulla, FL

The median home in Medulla was built in 1995, with a margin of error of plus or minus 2 years. That places many roofs here around 30 years old or more, which is the age range where roof replacement and insurance questions tend to come up. Most owners here live in the home they own, and the roof is usually the largest single item to plan for.

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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.

Medulla figures this page uses

Share of homes built before 1980
18.1%
Share of homes built 2010 or later
15.7%
Owner-occupied share of occupied homes
66.2%
Median year homes were built
1995

Medulla housing age

How the age of your home affects your roof choices

About 18 percent of homes in Medulla were built before 1980, and roughly 16 percent were built in 2010 or later. Most of the housing stock falls between those two groups. That suggests a large share of roofs are in the middle of their service life, while a smaller group is near the end.

Two thirds of occupied homes here are owner-occupied, based on 2,791 of 4,216 occupied units. Owners usually make the replacement decision themselves, so it helps to know the rules before the first estimate.

Permits and rules

What a re-roof triggers in Medulla

Medulla is an unincorporated area, so the Polk County Building Division issues roof permits here, not a city office. Check with that office on current rules before any work begins.

Florida's 25 percent rule applies here. If more than 25 percent of the roof area is repaired or replaced within any 12-month period, the entire roof covering must be replaced. There is an exception for roofs built, repaired or replaced to the 2007 Florida Building Code or later, where only the repaired part must meet current code.

Roof age and coverage

Insurance questions for an older roof

Florida law limits how insurers can treat roof age. No insurer can turn down or decline to renew a homeowner's policy just because the roof is under 15 years old. Once a roof reaches 15 years of age, the homeowner pays for an authorized inspector, and the insurer must permit that inspector to look it over. Talk with your insurer or agent to learn how these rules fit your particular policy.

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Questions

Roof replacement in Medulla: questions

What is the 25% roof rule in Florida?

The rule says that if more than 25 percent of a roof's area is repaired, replaced or recovered within any 12-month period, the entire roof covering must be replaced. In Medulla, where the median home was built in 1995, many roofs are old enough that a partial repair can trigger it. The exception applies if the existing roof was built, repaired or replaced to the 2007 Florida Building Code or later. Confirm with the Polk County Building Division before you start.

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?

Florida's Ninth Edition of the Florida Building Code takes effect December 31, 2026, and permit applications submitted on or after that date must follow it. The Eighth Edition from 2023 went into effect on December 31, 2023. In Medulla, where the median home was built in 1995, a replacement planned after that date will fall under the newer edition. Ask the Polk County Building Division 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

Who issues roof permits in Medulla?

Because Medulla is an unincorporated census-designated place, permits for roofing work are handled by the Polk County Building Division. Contact that office directly to confirm the permit steps and inspections before work begins.

Source: Polk County Building Division, read Oct 5, 2026

Related: Roof replacement

How old are most homes in Medulla?

The median home in Medulla was built in 1995, with a margin of error of plus or minus 2 years. About 18 percent of homes were built before 1980, and about 16 percent were built in 2010 or later. Older roofs here may be near the age where insurers ask for an inspection, so check your roof's age and condition early.

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 replacement

Nearby

Roof replacement near Medulla

Sources for this page(33)
  1. 1.Share of homes built before 1980: 18.1%. 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.
  2. 2.Share of homes built 2010 or later: 15.7%. 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.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, B01001, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.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.
  5. 5.Owner-occupied share of occupied homes: 66.2% (2,791 of 4,216 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.
  6. 6.Permit office: Polk County Building Division. Polk County Building Division. Read Oct 10, 2026.
  7. 7.Hurricane Irma (2017). NOAA NCEI Storm Events Database, event 721819 (Hurricane (Typhoon), 2017-09-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  8. 8.Hurricane Ian (2022). NOAA NCEI Storm Events Database, event 1058669 (Tropical Storm, 2022-09-28, zone/county POLK), bulk details file; NHC TCR AL092022; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  9. 9.Median year homes were built: 1995. 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.
  10. 10.2023 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).
  11. 11.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  12. 12.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  13. 13.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  14. 14.Miami-Dade County RER notice. Read Oct 5, 2026.
  15. 15.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.
  16. 16.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  17. 17.Polk County Building Division, Polk County Building Division. Read Oct 5, 2026.
  18. 18.NOAA NCEI Storm Events Database, event 721819 (Hurricane (Typhoon), 2017-09-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  19. 19.NOAA NCEI Storm Events Database, event 1058669 (Tropical Storm, 2022-09-28, zone/county POLK), bulk details file; NHC TCR AL092022; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. 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 B25035, B25077, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  22. 22.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  23. 23.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.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  25. 25.NOAA NCEI Storm Events Database, event 1060337 (Tropical Storm, 2022-11-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  26. 26.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  27. 27.U.S. Census Bureau, 2020 Census counts (POP100/HU100) and 2020 TIGER land/water area, via TIGERweb tigerWMS_Census2020 layer 28, U.S. Census Bureau. Read Oct 5, 2026.
  28. 28.NOAA NCEI Storm Events bulk files 2016-2025 (operator count), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  29. 29.U.S. Census Bureau, Vintage 2025 county population estimates (co-est2025-alldata.csv: ESTIMATESBASE2020, POPESTIMATE2025), U.S. Census Bureau. Read Oct 5, 2026.
  30. 30.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Medulla 2020 Census internal point (27.9585, -81.9812), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  31. 31.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  32. 32.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  33. 33.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.

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Roof replacement in Medulla

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