When You Need a Permit
Most Florida municipalities require a permit before removing a healthy tree above a certain trunk diameter, and many require mandatory replacement planting (or a payment into a tree fund) as a condition of the permit. Requirements vary significantly by city and county — some HOA common-area tree permits run around $144, with full canopy replacement required as a condition.
The Hazardous Tree Exemption
Florida Statute 163.045 allows removal of a hazardous tree on a single-family residential lot without a local permit, based on a signed arborist or Florida-licensed contractor report documenting the hazard. Importantly, this exemption does not extend to condominiums, townhomes, multifamily properties, HOA common areas, or commercial parcels — those still need to go through the standard local permit process regardless of hazard status.
Assumption
"If my HOA approves removing the tree, I'm covered."
Reality
HOA approval and local government permitting are separate requirements. Getting the green light from your association doesn't override city or county tree ordinances — both approvals are typically needed.
Removal Cost
Tree removal cost in Florida depends heavily on size, species, and accessibility, generally ranging from a few hundred dollars for a small tree to several thousand for a large, mature specimen requiring crane work. Mandatory replacement planting adds to the total when required.
"The hazardous-tree exemption trips people up because it sounds broader than it is. If you're in an HOA or a condo, don't assume you're covered — check with your local building department before anything comes down."
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