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Seminole County, FL Hurricane Preparedness: Hurricane Shutters (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Governing section
Sec. 105.15
Cost trigger
$50,000+ permitted work
Value trigger
$750,000+ insured or assessed value
Applies from
July 1, 2008 applications
Applies to
site-built single-family, wind-borne debris region
Exception
unchanged wind-borne debris boundary

Summary

Large, high-value site-built single-family homes in Seminole County's wind-borne debris region must include hurricane opening protection under Section 105.15 whenever a building permit application filed on or after July 1, 2008 covers $50,000 or more of work and the home is valued at $750,000 or more.

These county ordinances apply to unincorporated areas of Seminole County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

105.15 Opening protection. When any activity requiring a building permit, not including roof covering replacement or repair work associated with the prevention of degradation of the residence, that is applied for on or after July 1, 2008, and for which the estimated cost is $50,000.00 or more for a site-built single-family detached residential structure that is located in the wind-borne debris region as defined in this code and that has an insured value of $750,000.00 or more, or, if the site-built single-family detached residential structure is uninsured or for which documentation of insured value is not presented, has a just valuation for the structure for purposes of ad valorem taxation of $750,000.00 or more; opening protections as required within this code or Florida Building Code, Residential for new construction shall be provided. Exception: Where defined wind-borne debris regions have not changed, single family detached residential structures permitted subject to the Florida Building Code are not required to comply with this section.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 23 Update 1 | Land Development Code: Supplement 2).

Full Breakdown

15 requires opening protection, storm shutters or code-compliant impact-resistant openings, on a defined category of new and altered single-family homes in Seminole County's wind-borne debris region. The trigger has three parts that all must be met: the work requires a building permit, roof covering replacement or repair aimed at preventing degradation of the residence does not count, the application is filed on or after July 1, 2008, and the estimated cost of the work is $50,000 or more. On top of that cost threshold, the home itself must carry either an insured value of $750,000 or more, or, if it is uninsured or the owner does not present insurance documentation, a just valuation for ad valorem tax purposes of $750,000 or more.

When all of those conditions line up, the opening protections required by this Appendix A or by the Florida Building Code, Residential, for new construction must be installed as part of the permitted work. The section carves out one exception: if the wind-borne debris region boundary for the property has not changed, a site-built single-family detached residential structure already permitted under the Florida Building Code does not have to retrofit to comply. Because the rule is written around the wind-borne debris region defined elsewhere in the Florida Building Code rather than a flat county-wide map, whether a specific Fern Park or Heathrow address falls inside that region is a fact the Seminole County Building Division confirms against the current FBC wind speed map before requiring shutters or impact glazing.

Violations & Fines

A qualifying $50,000-or-more permit application for a $750,000-or-more site-built single-family home in the wind-borne debris region that omits the Section 105.15 opening protection is incomplete: the building official can reject the plans under Section 107.3, and installing unprotected openings anyway is enforceable as a code violation under Section 114.1, carrying penalties under Section 114.4 and a possible stop work order under Section 115.1.

Frequently Asked Questions

Does my Seminole County remodel need hurricane shutters?
Only if all three Section 105.15 triggers apply: your permit application is filed on or after July 1, 2008, the estimated cost of the work is $50,000 or more, and your site-built single-family home carries an insured or assessed value of $750,000 or more.
Does re-roofing trigger the opening protection requirement?
No. Section 105.15 expressly excludes roof covering replacement or repair work performed to prevent degradation of the residence from counting toward the $50,000 cost threshold, so a straightforward re-roof alone does not trigger the opening protection requirement.
What counts as the wind-borne debris region?
It is the region defined in the Florida Building Code's wind speed maps, not a separate county boundary; the Seminole County Building Division checks a property against that FBC map to decide whether Section 105.15's opening protection duty applies.

Sources & Official References

Other rules in Seminole County

All Seminole County rules

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