Project Costs
How much does a new roof cost in Florida?
What a new roof costs in Florida per square foot and in total, for shingle, metal and tile, plus decking, wind-code upgrades and worked examples.
Renovation Guides
Shingle, Metal or Tile? The Best Roofing Materials for Florida Homes
How architectural shingles, metal and concrete or clay tile compare for Florida homes on cost, hurricane performance, heat, weight, insurance and HOA rules.
Last updated: 2 min readBy the Florida Renovation Guide editorial teamTopic: Exterior Home Improvements
The short answer
- Architectural shingles cost the least upfront, about $4.50–$8 per sq. ft. installed in Florida, by our planning estimates, and are the most common reroof.
- Metal, about $7–$20 per sq. ft., and tile, about $9–$21, cost more but generally last longer when installed and maintained well.
- Every option can meet Florida's wind code when it's an approved product installed to its approval. Installation quality matters as much as the material.
- Tile is heavy. Switching from shingles to tile can require an engineer's review of the roof framing.
On this page
Choosing a roof in Florida means balancing upfront cost, how long you'll stay in the home, insurance, HOA rules and what your roof structure can carry. Here's how the main options compare.
The quick comparison
| Architectural shingles | Metal | Concrete or clay tile | |
|---|---|---|---|
| Estimated installed cost (per sq. ft., Florida planning range) | About $4.50–$8; impact-rated $6–$11 | About $7–$14 exposed-fastener, $10–$20 standing seam | About $9–$16 concrete, $12–$21 clay |
| Weight | Light | Lightest | Heavy |
| Look | Familiar, many colors | Modern or coastal, panels or shingles | Classic Florida and Mediterranean |
| Maintenance | Inspect after storms; replace damaged shingles | Check fasteners on exposed-fastener panels | Replace cracked tiles; underlayment matters |
| Repairs | Easy and inexpensive | Needs matching panels | Needs matching tiles; walking on tile can break it |
Prices come from our roof replacement cost guide.
Architectural shingles
The most common Florida reroof. They're the least expensive, easy to repair and available in many colors. Impact-rated (Class 4) shingles cost more and resist hail and debris better; ask your insurer whether they affect your premium before you pay extra. Shingle life in Florida's sun is generally shorter than metal or tile, so compare cost over the years you plan to stay.
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Metal
Metal roofs come as exposed-fastener panels, such as 5V crimp, which cost less, or standing seam panels with concealed fasteners, which cost more. Metal is light, sheds rain quickly and suits coastal homes, though near salt water you should ask about coatings and fasteners rated for that environment. Standing seam is the premium choice for many coastal buyers.
Tile
Concrete and clay tile define the look of much of South and Southwest Florida. Tile itself is durable, but the underlayment beneath it does much of the waterproofing and has its own lifespan. Tile is heavy, so changing from shingles to tile can require structural review, and broken tiles need matching replacements. Keep spare tiles after installation.
Hurricane performance
Any of these can be the right hurricane roof. The key factors are:
- a product approved for your home's design pressures, with a Florida product approval or Miami-Dade Notice of Acceptance
- deck nailing that meets current code
- a secondary water barrier, which Florida requires at reroof
- installation exactly as the approval specifies
Those features also show up on a wind mitigation inspection, which insurers use for discounts. Permits and the 25% rule are covered in roof permits.
HOAs and insurance
Many HOAs restrict roof material and color, especially changes from tile to shingles or to metal. Get approval first; see HOA approval. If insurance is paying for the roof, read roof insurance claims before you sign with a roofer.
Frequently asked questions
Which roof is best for hurricanes?
There isn't one answer. Shingles, metal and tile can all be approved for high-wind areas. What matters is that the product is approved for your home's design pressures, the deck is properly attached, a secondary water barrier is installed and the roofer follows the approved installation method.
Does a metal roof make a house hotter?
Not usually. Metal reflects a lot of sunlight, especially in light colors, and many metal products are designed to reduce heat gain. Insulation and attic ventilation matter more for indoor comfort.
Can I switch from shingles to tile?
Often, but tile weighs much more than shingles. Your building department may require an engineer to confirm the framing can carry the load, and your HOA may control the change.
Sources and further reading
- Roof Replacement Cost in Florida 2026 (RoofVista)
- Florida Roof Replacement Cost 2026 (Roof Pitch Calculators)
- Florida product approval search (Florida Building Commission)
- Wind mitigation resources (Florida Office of Insurance Regulation)
We summarize official information in our own words and link to the source. Requirements can change, so confirm details with the source before relying on them. Our editorial standards
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