Do You Have to Have Storm Shutters in Florida?
Let’s get this out of the way right up front—no, not every home or business in Florida has to have storm shutters. But if you’re in a high-risk, hurricane-prone area like much of Brevard County, the story changes a bit. Florida’s building codes do require storm protection—either shutters or impact-resistant windows—for certain properties. And even when they’re not legally mandated, storm shutters are still one of the smartest upgrades you can make to protect your home or business during hurricane season.
When Are Hurricane Shutters Actually Required in Florida?
Florida’s building codes are no joke—especially when it comes to structures near the coast. If your home or business falls within a wind-borne debris zone (typically where wind speeds exceed 140 mph), you’re in a required zone for some form of storm protection.
Specifically, you need shutters or impact-resistant glass if:
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Your home was built after 2001
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You’re doing a major renovation
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You’re replacing windows or doors
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You’re in a high-wind region (hint: most of Brevard County qualifies)
If you’re living in an older home or operating a long-established business that hasn’t been renovated recently, you may not be legally required to install hurricane shutters. But we’ll be honest—it’s a risk not worth taking.
Even When They’re Optional, Shutters Offer Serious Protection
Storm shutters aren’t just about checking off a code compliance box. They’re a proactive defense against high winds, flying debris, and driving rain.
Think of them as your first line of defense:
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Storm Protection: Keep windows and doors from blowing out in high winds.
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Security: Add a layer of protection against theft or break-ins—especially for businesses.
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Energy Efficiency: Some shutter types help block heat and reduce UV exposure.
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Insurance Savings: That’s right—your investment may pay you back in discounts.
Will Hurricane Shutters Help With Insurance Rates?
In many cases, yes. Insurance providers know that storm shutters reduce damage, so some may offer wind mitigation discounts for homes or businesses equipped with approved protection. Others may require them altogether, especially in high-risk regions. Always check with your insurance carrier to understand their requirements and discount programs.
Residential & Commercial Solutions That Don’t Sacrifice Style
At Brevard Shutters & Accessories, we believe storm protection should look just as good as it performs. We offer a full lineup of hurricane protection products that suit every style—from beachy Bahama shutters to sleek roll-ups for commercial storefronts.
Here’s what we install:
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Roll-Up Shutters & Screens – Push-button convenience for homes and businesses
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Accordion Shutters – Great for large windows and doors
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Bahama & Colonial Shutters – Classic style with modern protection
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Lexan® Clear Panels – See-through and storm-tough
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Aluminum & Steel Panels – Durable, storable, and budget-friendly
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Hurricane Screens – Lightweight fabric that’s surprisingly strong
Whether you’re protecting a family home in Melbourne or a café in Cocoa Beach, we’ve got you covered.
Why Brevard Shutters & Accessories?
We’re more than just a shutter company—we’re your neighbors. Our team has been helping protect Brevard County for over two decades, and we take that responsibility seriously. From design consultations to custom fabrication and professional installation, everything is done in-house by our experienced, local experts.
We serve customers all across the Space Coast, including Melbourne, Palm Bay, Titusville, Rockledge, Cocoa, and beyond—right down to Port Saint Lucie County.
And yes, we even have a beautiful showroom where you can see, touch, and try out our hurricane protection solutions before you buy.
Shutters Might Not Be Mandatory—But They’re Always Smart
If you live or work in Brevard County, hurricane season is something you prepare for. Whether you’re required to have shutters or not, installing them is one of the best ways to protect your investment, qualify for insurance perks, and sleep easier when the skies start to turn.
Ready to storm-proof your space? Contact Brevard Shutters & Accessories today for a free consultation.