Photo: Excel23, Michael Seeley from Melbourne, FL, United States · CC BY 2.0Storms, floods and disasters in Melbourne Village
Melbourne Village isn’t graded for hazard risk: Melbourne Village has 778 residents; we grade towns of 1,000 or more. Flood insurance has paid 13 claims here since 1982.
What Melbourne Village faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Melbourne Village flood? Sometimes: 13 flood claims since 1982
Every paid claim on a federal flood insurance policy in Melbourne Village, from FEMA’s records.
- Tropical Storm Fay6 claims · $112K
- Hurricane Irma4 claims · $148K
Melbourne Village isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Brevard County.5 federal disasters brought FEMA money to Melbourne Village
Disasters that paid out in Melbourne Village itself (aid to households or repair grants to the Town of Melbourne Village), newest first, with that year’s flood claims.
- 2017Hurricane Irma25 households applied for aid$30K aid approved4 flood claims paid for it, $148K
- 2008Tropical Storm Fay5 households applied for aid$8K aid approved6 flood claims paid for it, $112K
- 2004Hurricane Jeanne9 households applied for aid$169 aid approved$16K to the Town of Melbourne Village for repairs
- 2004Hurricane Frances17 households applied for aid$14K aid approved$14K to the Town of Melbourne Village for repairs
- 1999Hurricane Floyd Major Disaster Declarations$8K to the Town of Melbourne Village for repairs1 flood claim paid that year
Brevard County has had 29 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Brevard County, 1999–2008.
Old photos of Melbourne Village after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Melbourne Village archive →Melbourne Village and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| West Melbourne | Dmore damage than 93% | hurricanes | 110 |
| Melbourne | Dmore damage than 93% | hurricanes | 427 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Melbourne Village faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Melbourne Village
Does Melbourne Village flood?
Flood insurance has paid 13 claims in Melbourne Village since 1982, $281K in all. 1 properties have flooded more than once. The most claims came from Tropical Storm Fay (6).
Is Melbourne Village in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Brevard County, 47% of homes in mapped flood zones carry federal flood insurance, and 11.8% of all homes do.
How much is flood insurance in Melbourne Village?
FEMA’s Community Rating System list shows no discount for Melbourne Village’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Melbourne Village?
By FEMA money that reached Melbourne Village, Hurricane Irma (2017): 25 households applied for aid, $30K approved. By flood claims, Tropical Storm Fay: 6 paid, $112K.
Storm stories
Memories, warnings and help from neighbors in Melbourne Village.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Melbourne Village’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.