Is Palm Bay, FL Safe to Buy? Home Safety Score 90/100
Score 90/100 · Risk: moderate · Water Grade A · Updated 2026-05-03
Palm Bay has moderate risk. Some factors warrant attention during the home buying process.
Data: EPA SDWIS, FEMA NFIP, Census ACS, EPA Radon Zones Last verified: 2026-05-03
Safety upgrade budgets in Palm Bay sit at the more accessible end of the remediation spectrum — a practical planning number rather than a significant equity concern, and one that most homeowners here can work with through routine financial preparation.
What is a home safety score?
The home safety score (0-100) combines multiple environmental risk factors into a single number: water quality grade, lead contamination levels, flood zone exposure, radon risk, and air quality. A higher score means lower overall risk. The score helps homebuyers compare neighborhoods at a glance. Palm Bay scores 90/100 with a "moderate" risk level.
Remediation Cost Breakdown
Estimated costs to address safety issues for a typical home in Palm Bay:
Cost ranges are estimates based on national averages. Actual costs vary by property. Get 3 quotes before proceeding.
Per-ZIP Home Safety Scores
Safety scores vary across Palm Bay's 7 ZIP codes.
| ZIP Code | Score | Grade | |
|---|---|---|---|
| 32905 | 83 | B | View report → |
| 32907 | 83 | B | View report → |
| 32908 | 88 | A | View report → |
| 32909 | 88 | A | View report → |
| 32906 | 97 | A | View report → |
| 32910 | 97 | A | View report → |
| 32911 | 97 | A | View report → |
Home Safety Overview
Palm Bay, Florida has moderate risk for homebuyers. The average home safety score is 90/100 across 7 ZIP codes. Some risk factors warrant attention during the home buying process.
Safety Score Card
A composite view of Palm Bay's key risk indicators:
| Risk Factor | Value | Assessment |
|---|---|---|
| Water Quality | Grade A (90/100) | Low risk |
| Lead Risk | 0.0021 mg/L | Low risk |
| Flood Risk | 57% in flood zones | Elevated risk |
| Radon | Zone 3 (Low) | Low risk |
| Air Quality | AQI 52 (Moderate) | Moderate risk |
Cost to Fix: Remediation Breakdown
Estimated costs to address safety issues for a typical home in Palm Bay:
| Component | Estimated Cost |
|---|---|
| Filtration | $300 |
| Flood Insurance | $771 |
| Pfas | $343 |
| Total (low estimate) | $893 |
| Total (mid estimate) | $1K |
| Total (high estimate) | $2K |
Cost ranges are estimates based on national averages and local data. Actual costs vary by property condition, contractor, and scope of work. Get 3 quotes before proceeding.
Per-ZIP Home Safety Scores
Home safety varies across Palm Bay's ZIP codes. Lower scores indicate more risk factors:
| ZIP Code | Safety Score | Grade |
|---|---|---|
| 32905 | 83 | B |
| 32907 | 83 | B |
| 32908 | 88 | A |
| 32909 | 88 | A |
| 32906 | 97 | A |
| 32910 | 97 | A |
| 32911 | 97 | A |
Palm Bay vs. Nearby Florida Cities
How Palm Bay's overall risk compares to similar cities in Florida:
| City | Water Grade | Lead ZIPs Over Limit | Flood Claims | Population |
|---|---|---|---|---|
| Palm Bay | A | 0 | 388 | 140,750 |
| Longwood | B | 0 | 119 | 135,070 |
| Coral Springs | B | 0 | 0 | 146,972 |
| Dania | C | 0 | 545 | 147,566 |
Homebuyer Safety Checklist for Palm Bay
Before purchasing a home in Palm Bay, Florida, complete these checks:
Water Quality
- Request the latest Consumer Confidence Report (CCR) from the water utility
- Test tap water for lead, bacteria, and nitrates ($20-$50 for DIY kit)
Radon
- Conduct a radon test ($15-$30 for short-term kit, $150-$300 for professional)
Flood Risk
- Check the property's FEMA flood zone at msc.fema.gov
- Ask about flood history and past insurance claims
- 57% of Palm Bay is in flood zones — verify insurance requirements
Lead Paint & Pipes
- For homes built before 1978: request lead paint disclosure
- For homes built before 1986: inspect plumbing for lead solder and pipes
General
- Check for carbon monoxide detectors on every level
- Inspect for visible mold, water stains, or musty odors
- Verify the home's connection to a regulated public water system
Data Sources
- Water quality: EPA SDWIS
- Lead: EPA Lead and Copper Rule
- Flood: FEMA NFIP
- Radon: EPA Radon Zones
- Air quality: EPA AirNow
- Home values: U.S. Census Bureau ACS B25077
- Remediation costs: National cost model (EPA, Census, FEMA data)
Updated daily.
Water Quality Map: Palm Bay, FL
Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.
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