Since 1 October 2025, Florida sellers must disclose past flood insurance claims, any flood-repair assistance, and any flooding that damaged the home during their ownership, even without a claim. Landlords must give similar disclosure in a separate document for leases of one year or longer.
What sellers must disclose
- Any flood insurance claims filed for the property.
- Any assistance received to repair flood damage, from any source.
- Any flooding they know damaged the property during their ownership, claimed or not.
The disclosure must be given at or before the time the sales contract is signed (Florida Statutes §689.302).
What landlords must disclose
For residential leases of one year or longer, landlords must give the same flood information in a separate document, not inside the lease (Florida Statutes §83.512). Tenants can have termination rights if they weren't told and the home floods.
What to do if your home has flooded before
- Gather records of past repairs and any mitigation you've done.
- Fix the cause, not only the damage: drainage, grading, backflow valves, and flood vents for enclosed areas.
- Get an elevation certificate so buyers and their insurers can price flood risk accurately.
Common questions
When did Florida's flood disclosure rule start?
The expanded seller disclosure applies to residential sales from 1 October 2025. Landlords must also give a separate flood disclosure for leases of one year or longer.
Do I have to disclose flooding I never claimed on insurance?
Yes. Sellers must disclose knowledge of any flooding that damaged the property during their ownership, whether or not they filed a claim.
Can repairs reduce what I have to disclose?
No. Repairs don't remove the duty to disclose past flooding. But documented mitigation, like drainage work or flood vents, gives buyers reassurance and can help your sale.