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Roofing in Winter Springs, Florida

During Hurricane Ian in 2022, county officials reported flooding along Howell and Gee Creeks in Winter Springs. Water and wind are both part of roofing here. The median home was built in 1989, so many original roofs are likely well past their first replacement. Below: the housing, the permit forms, the 25 percent rule and the insurer age rules.

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Updated October 2026

Winter Springs City Hall sign reading Movie Night, with the tan municipal building and oak trees behind.
Photo: Winter springs city hall sign winter springs florida by Connor J. Williams, CC BY 3.0, cropped

At a glance

Winter Springs homes at a glance

People (2020 Census)
38,342
Median year homes were built
1989
Share of homes built before 1980
23.3%
Share of homes built 2010 or later
13.2%
Owner-occupied share of occupied homes
76.1%

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

Housing and age

What the 1989 median home means for your roof

Winter Springs homes have a median build year of 1989, one year newer than the county's 1988. Only 13.2 percent of homes date from 2010 or later. That suggests a large share of houses here have had at least one re-roof already, and some may be due for another.

Older homes are fewer here than in the county as a whole: 23.3 percent were built before 1980, against 29.1 percent countywide. Owners also hold more of the housing, with 76.1 percent of occupied homes owner-occupied, compared with 66.2 percent in Seminole County. Most of those decisions about roof timing sit with the person who lives under it.

Mobile homes make up 2.5 percent of housing units, and single-family detached homes make up 68.4 percent.

Permits and forms

Who permits a roof in Winter Springs

Roof permits go through City of Winter Springs Community Development. Its forms include a Re-Roof Inspection Affidavit and a Product Approval Form, so expect to name the roofing product you are installing. Call the city's building staff to confirm what your job needs before anyone orders materials.

The permit clock matters. Under the building code, a Winter Springs permit lapses if no work begins within 6 months of issuance, or if the job sits idle for 6 months. The code counts work as active when an approved inspection has happened within 180 days.

Seminole County's Building Division also lists storm damage repair resources and solar panel re-installation requirements after re-roofing. If you have panels on your roof, check those before the old roof comes off.

Building permits

City of Winter Springs Community Development (building permit forms)

Official building page

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

Repair or replace

The 25 percent rule and Winter Springs roofs

The Florida Building Code limits repairs to 25 percent of a roof section in any 12-month period. Past that limit, the code calls for the entire roof section to be replaced or recovered. A different path applies only if that roof itself was built, repaired or replaced under the 2007 Florida Building Code or later, which took effect March 1, 2009.

The Eighth Edition code has applied since December 31, 2023. A Winter Springs application filed on or after December 31, 2026 falls under the Ninth Edition instead. Ask Community Development which edition governs the date you apply.

  • During Hurricane Ian (2022) county officials reported flooding along Howell and Gee Creeks in Winter Springs.
  • Winter Springs' Community Development forms include a Re-Roof Inspection Affidavit and a Product Approval Form.

Local weather

Storms, flooding and rain around Winter Springs

Hurricane Ian's county damage was mainly from flooding: 3,058 structures affected, 1,076 with major damage. Hurricane Irma in 2017 affected 4,939 of 7,125 assessed residential structures, with a peak gust of 65 knots at Orlando-Sanford.

Normal rainfall at Orlando Sanford is 49.63 inches a year, with 45 percent falling in June through August. A 10-year, 24-hour storm here drops 6.22 inches, and a 100-year storm drops 10.6 inches. Gutters and flashing see hard use in summer.

Services

Roofing services in Winter Springs

Questions

Winter Springs roofing questions

What is the 25% roof rule in Florida?

Not more than 25 percent of a roof section may be repaired, replaced or recovered in any 12-month period unless the entire roof section is replaced or recovered. A separate path covers a roof built, repaired or replaced under the 2007 Florida Building Code or later. In Winter Springs, ask Community Development how it applies to your roof, since the median home dates to 1989.

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

Related: Roof replacement

Who pulls the roof permit in Winter Springs?

City of Winter Springs Community Development handles roof permits. Its forms include a Re-Roof Inspection Affidavit and a Product Approval Form. Florida also requires a Notice of Commencement to be recorded and posted before the first inspection, or you may be paying twice for the improvements. Ask the city which forms your job needs.

Source: City of Winter Springs Community Development (building permit forms), read Oct 5, 2026

Related: Roof replacement

Can my insurer force me to replace a 15-year-old roof?

Not on age alone. Under Florida law, once a roof is 15 years or older, the insurer must let you have an authorized inspector check it at your own expense before requiring replacement. When the inspection finds at least 5 years of useful life left, an insurer cannot deny coverage or decline to renew based on roof age alone. Winter Springs homes have a median build year of 1989, so many owners here may face this question. An authorized inspector can be a licensed home inspector, a roofing contractor, an engineer, or another person your insurer recognizes. Talk to your insurer or agent.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

Did Hurricane Ian affect Winter Springs?

Yes. County officials reported flooding along Howell and Gee Creeks in Winter Springs during Hurricane Ian in 2022. Across Seminole County, 3,058 structures were affected and 1,076 had major damage, mainly from flooding. Roof leaks can follow any storm, so check ceilings and attics.

Source: NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), read Oct 5, 2026

Related: Roof repair

Does a mobile home roof follow the same code line as other homes?

No. Mobile homes make up 2.5 percent of Winter Springs housing units, and they follow the federal HUD code. Ask the building office what permit your mobile home roof needs.

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

Related: Roof replacement

Nearby

Near Winter Springs

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Seminole County

More in Seminole County

Sources for this page(30)
  1. 1.Median year homes were built: 1989. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  3. 3.Share of homes built 2010 or later: 13.2%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  4. 4.City of Winter Springs, About Us. Read Oct 5, 2026.
  5. 5.Hurricane Ian (2022). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, tables B25034/B25035. Read Oct 5, 2026.
  7. 7.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  8. 8.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25003. Read Oct 5, 2026.
  9. 9.Owner-occupied share of occupied homes: 76.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  10. 10.Share of homes built before 1980: 23.3%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  11. 11.Mobile homes, share of housing units: 2.5%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  12. 12.Single-family detached share of housing units: 68.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  13. 13.Permit office: City of Winter Springs Community Development (building permit forms). City of Winter Springs Community Development (building permit forms). Read Oct 10, 2026.
  14. 14.City of Winter Springs, Documents & Forms (Community Development). Read Oct 5, 2026.
  15. 15.Seminole County Government, Building Division. Read Oct 5, 2026.
  16. 16.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  17. 17.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API. Read Oct 5, 2026.
  18. 18.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  19. 19.People (2020 Census): 38,342. U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER) (2020 Census count). Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  22. 22.City of Winter Springs Community Development (building permit forms), City of Winter Springs Community Development. Read Oct 5, 2026.
  23. 23.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  25. 25.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  26. 26.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  27. 27.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Winter Springs 2020 Census internal point (28.6955, -81.2721), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  30. 30.Florida Statutes, section 627.7011 (2026), Florida Legislature. Read Oct 5, 2026.

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