Homeowners Insurance in Melbourne, FL

For a home at Melbourne's median value of $306,400, we estimate about $2,410 a year — −13% versus the Florida NAIC average of $2,779.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Melbourne

Est. premium

$2,410

$201/mo · median home

Median home value

$306,400

Florida: $359,000

Median year built

1985

Census ACS

Owner-occupied

59.7%

of households

Hazard score

74.6

state ref. 77.2

Melbourne's estimate reflects its home values (15% lower than the state median) and FEMA's hazard profile for Brevard County.

Natural hazard risk in Melbourne

FEMA National Risk Index — Brevard County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	35.1	Comprehensive (car); roof claims (home)
Tornado	Relatively High	95.3	Comprehensive; dwelling
Hurricane	Very High	99.7	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	95.0	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Moderate	82.0	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	96.0	Comprehensive; dwelling
Winter weather	Not rated	0.0	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	97.2	Comprehensive; dwelling
Earthquake	Very Low	46.4	Home needs a separate earthquake policy
Lightning	Very High	99.4	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Melbourne

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,715	$1,575
$300,000	$2,370	$2,180
$500,000	$3,565	$3,280
$750,000	$4,930	$4,535

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Melbourne

ZIP	Median home value	Owner-occupied	Est. premium
32935	$263,200	59.7%	$2,135
32904	$366,300	74.4%	$2,780
32901	$282,300	49.4%	$2,255
32934	$416,100	87.6%	$3,080

Homeowners insurance in Florida · Car insurance in Melbourne · Insurance offices near Melbourne

Frequently asked questions

How much is homeowners insurance in Melbourne?

For a home at Melbourne's median value of $306,400, we estimate about $2,410 a year for a standard HO-3 policy with a $1,000 deductible. The Florida NAIC average is $2,779.

What are the biggest natural hazards in Melbourne?

FEMA's National Risk Index rates Brevard County relatively high or very high for tornado, hurricane, inland (river) flooding, strong wind, and lightning.

Does the age of homes in Melbourne affect insurance?

Yes. The median home in Melbourne was built in 1985 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Florida, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Brevard County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page