Home Insurance in West Melbourne, Florida
Homes in West Melbourne carry a median value of $377,100 - 11% higher than the Brevard County median.
The typical home in West Melbourne was built around 2003. About 4% of homes were built before 1960, about 4 points below Brevard County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In West Melbourne, the housing stock is 72% single-family homes, 20% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 64% of owner-occupied homes in West Melbourne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in West Melbourne are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in West Melbourne are primarily heated with electricity.
Brevard County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Brevard County had 42,035 active NFIP flood policies as of September 2026. See the full Brevard County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Florida is $2,779 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $377,100 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Brevard County | 42,035 |
| Home insurance premium | $2,779 - statewide average (NAIC, 2023 data) |
Nearby towns
- Melbourne Village
- Melbourne
- Indialantic
- Melbourne Beach
- Malabar
- Palm Bay
- Indian Harbour Beach
- Satellite Beach
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)