Do Florida home sellers have to disclose flooding?

Yes. Since October 1, 2024, s. 689.302 requires sellers of residential property to give buyers a flood disclosure at or before signing the contract, covering flood claims, flood-related assistance and, since October 1, 2025, the seller's knowledge of flooding.

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Florida's flood disclosure: what home sellers must tell buyers

Since October 1, 2024, a seller of a Florida home has to tell the buyer about the home's flood history, on a form, before the contract is signed.

Last reviewed October 5, 2026 · Written for Florida home buyers and buyer's agents

What the law requires

Under s. 689.302, a seller of residential property must give the buyer a flood disclosure at or before signing the sales contract. The current form includes:

a notice that homeowners' insurance doesn't cover flood damage, and that the buyer should talk to an insurance agent;
whether the seller knows of any flooding that damaged the property while they owned it;
whether the seller has filed a flood claim with any insurer, including the National Flood Insurance Program;
whether the seller has received help for flood damage from any source, including FEMA.

The form defines flooding as an overflow of inland or tidal waters, unusual and rapid runoff from an established water source, or sustained standing water from rainfall.

What changed

October 1, 2024 (HB 1049): the disclosure became mandatory, covering flood claims and federal assistance.
October 1, 2025 (SB 948): added the question about the seller's knowledge of flooding, widened "assistance" to any source, and added a similar disclosure for landlords.

It isn't a flood-zone check

The disclosure is about what the seller knows and has claimed. It says nothing about whether the home sits in a FEMA flood zone, which can affect whether a lender requires flood insurance. Check that separately on the FEMA Flood Map Service Center.

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Sources

This guide explains Florida law and public records in plain English. It is not legal, tax or insurance advice, and laws change. Check important details with the county property appraiser, the tax collector or a Florida attorney.