ORLANDO, Fla. -- Initial damage estimates for a one of the most flooded cities in Central Florida will top $10 million and leave hundreds of homes with water damage.

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Several hundred homes in Melbourne have three to four feet of standing water inside of them Thursday after days of pounding rain from Tropical Storm Fay, Local 6's News partner Florida Today reported.

The city of Melbourne's emergency manager said the $10 to $12 million damage estimate does not include the Lamplighter Village community -- which is submerged under chest-high water.

Gov. Charlie Crist toured Lamplighter Village -- a community of 600 homes near Interstate 95 -- in a swamp buggy.

"I couldn't believe all of the water," Crist said.

Crist said the area is the worse hit -- by far, Local 6's Adam Longo reported.

"We've lived through several hurricanes and (I have seen) nothing like this," flood victim Timothy Tucker said.

There is still about four or five feet of standing water in and around Lamplighter homes.

"I saw water in my house and I'm like, 'Oh my God,'" Lamplighter Village resident Wayne Wyckoff said. "Cars were stuck and wreckers were pulling them out and I knew that I was going to lose everything. Everything is flooded. I lost everything."

The National Guard has been the only personnel allowed into the subdivision to help the remaining people still inside their homes.

There are five shelters in the county with about 106 people inside. However, the number was expected to grow Thursday night.

Also, the Department of Natural Resources said a preliminary estimate of damage to the Brevard County beaches is about $2.6 million.

Brown, Sewage Water Floods Community

Fay-produced rains also flooded the Colony Park Mobile Home Village in Merritt Island, prompting health concerns.

Brown water full of septic fluids flooded streets in the village and children in the area used it as a river playground.

Local 6 News showed numerous children on bikes and surfboards playing in the water. “I have two kids and they think it’s neat and they’re having fun, but I’ve been looking out my door all day long, trying to help them be careful,” Janice Bline said.

Fay Still Rainmaker

Meanwhile, the center of rotation for Tropical Storm came ashore on the east coast of Florida Thursday and continued to dump heavy rain in parts of Central Florida.

The National Hurricane Center's new path of projected movement for Fay moves the storm west, across the state and a possible fourth Florida landfall.

"Thankfully, by Friday morning, (Fay) should be (located) just to the north of Ocala and on its way out of Florida, Local 6 meteorologist Eric Wilson said. "But if (Fay) does take this path into the Gulf of Mexico it would (make) its fourth landfall into Florida."

"The good news with this is that the threat of tornadoes is almost nil in our viewing area," Wilson said.

Fay should deliver rain into Central Florida until at least Friday.

Record-Breaking Rain Continues

Fay has already dumped two feet of water in Melbourne, causing the city to shatter a 50-year-old rainfall record.

Other parts of Brevard County have received similar totals.

"This area is seeing historic levels of rain with totals in excess of 20 inches already," Crist said during a news conference Wednesday. "Additional rainfall of eight to 15 inches is possible through Saturday."

The storm dumped more than 24 inches of rain in some cities.

"This storm is turning into a serious, catastrophic flooding event, particularly in southern Brevard County," Crist said. "The weather forecast tells us that some areas could receive rainfall as much as 30 inches."

Watch Local 6 News for more on this story.