Titusville · Buying
Buying in a flood or hurricane area in Titusville
Flood zone, flood insurance, wind and 4-point reports and past flood claims, before you commit.
Free · Agents who know Titusville · Every step in one app
Titusville sits on the Indian River, across the water from Kennedy Space Center.
Buying near the water or in hurricane country can bring up real worry. You may have watched storm coverage, heard about insurance prices, or wondered whether a home could flood. Those worries are reasonable.
Read the full guide: buying in a flood or hurricane area, step by step →
What this means in Titusville
- The typical home here is worth about $266,600. With 10% down, that is a loan of about $239,900; owners here typically spend about $1,628 a month on housing costs (Census), which gives you a real local starting point for your budget.
- About 46% of homes in Titusville were built before 1980. Older Florida homes often need a 4-point inspection (roof, electrical, plumbing, heating and cooling) before an insurer will cover them, so ask for one early, before your inspection window closes.
- To look up a home's flood zone in Titusville, use City of Titusville Flood Information. A home's flood zone decides whether a lender requires flood insurance.
- On Titusville's water service application, new owners agree to pay any unpaid water bill or lien left by the previous owner. If it isn't paid, it moves to the new owner's account within 20 days, so ask for a final water bill before closing.
What’s different for you
- Read the seller’s flood answers. Florida sellers answer three flood questions before you sign.
- Check the flood zone. With most mortgages, homes in high-risk flood zones must have flood insurance.
- Get insurance quotes early. Homeowners insurance doesn’t cover flooding.
- Book the 4-point and wind reports. Older homes usually need a 4-point; a wind report can lower your price.
When you start in CloseHive from this page, your plan already includes these steps, along with the usual ones for buying in Titusville. You always see what to do next, and your agent handles the how.
Titusville in numbers
- The typical home here is valued at about $266,600, which is 21% lower than Brevard County as a whole ($339,600).
- About 46% of homes were built before 1980. Many insurance companies ask for a 4-point inspection (roof, electrical, plumbing, heating and air) on older homes, so plan for it early.
- 72% of homes are lived in by their owners, close to the county's 77%.
- Owners with a mortgage pay about $1,628 a month in housing costs, $294 more than typical rent ($1,334). Many of those owners bought years ago at lower prices, so today's buyers often pay more.
A typical Titusville home costs about 4.0 times the typical household income here ($66,192 a year), compared with 4.3 times across Brevard. With 10% down, the loan on a $265,000 home would be $238,500, and Florida's mortgage taxes at closing would be about $1,312.
Questions people ask
Does homeowners insurance cover floods?
No. Flood insurance is a separate policy.