01 / BREVARD COUNTYPalm Bay
The largest city in the county and the south end of the route. Most of the housing stock went up between the 1980s and the mid-2000s, so a lot of it has just crossed the 20-year line where carriers start asking for a four-point.
Book in Palm Bay ↗02 / BREVARD COUNTYGrant-Valkaria
Rural lots and a mix of site-built and manufactured homes at the southern edge of the county. Manufactured homes book the four-point only; the wind mitigation form does not apply to them.
Book in Grant-Valkaria ↗03 / BREVARD COUNTYMelbourne
Older neighborhoods near downtown and the river, newer subdivisions to the west. Older block homes here usually need both reports when a policy changes hands.
Book in Melbourne ↗04 / BREVARD COUNTYWest Melbourne
Mostly newer subdivisions built under the current code. A four-point is often not required yet, but a wind mitigation can document credits the carrier is not applying.
Book in West Melbourne ↗05 / BREVARD COUNTYSatellite Beach
Barrier-island homes from the 1960s onward. Opening protection and roof-to-wall attachment carry the most weight on a wind mitigation here, and insurers look hard at roof age on a four-point.
Book in Satellite Beach ↗06 / BREVARD COUNTYCocoa
Mainland, with some of the oldest housing in the county. A four-point is routine on a new policy, and the inspector will be checking panel type and plumbing material closely.
Book in Cocoa ↗07 / BREVARD COUNTYMerritt Island
Between the rivers, with homes spanning every decade since the 1950s. Which report you need depends almost entirely on the age of the house and what your agent requested.
Book in Merritt Island ↗08 / BREVARD COUNTYCocoa Beach
Beachside, with a lot of condos and older single-family homes. For a single-family home both reports are common; for a condo unit, check with your agent on which form the association’s policy leaves to you.
Book in Cocoa Beach ↗09 / BREVARD COUNTYViera
Master-planned and mostly built from the 1990s on. Many homes here do not need a four-point yet, and most have hip roofs and strapped trusses that a wind mitigation report can put on paper.
Book in Viera ↗10 / BREVARD COUNTYTitusville
The north end of the route, with a large stock of 1950s to 1970s homes. Expect a four-point to be requested on almost any policy change, and expect it to cover the roof permit history in detail.
Book in Titusville ↗