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Florida's flood disclosure: what sellers must tell buyers
Florida sellers must give buyers a written flood disclosure at or before signing. Here is what it asks, what changed on 10/01/2025, and how to get ready.
By Danielle Salomon and Simone Pakoys · Updated 11/12/2026 · General information, not legal or tax advice.
Florida used to lean on "buyer beware." That changed long ago for hidden defects, and flooding now has its own written form. If you are selling a home in Miami-Dade or Broward, plan for it before you list.
The rule
Under Florida Statute 689.302, a seller of residential property gives the buyer a separate flood disclosure at or before the sales contract is signed. The law first took effect on 10/01/2024 and was expanded on 10/01/2025 (Senate Bill 948).
What the form asks
- Whether you have filed a flood insurance claim for the property.
- Whether you have received help for flood damage from any source, not just federal programs (this part was widened in 2025).
- Since 10/01/2025: whether you know of flooding that damaged the property while you owned it, even if no claim was filed.
How to get ready
- Gather insurance claim letters, repair invoices and permits for any water work.
- Look up your FEMA flood zone and find your elevation certificate if you have one. Buyers and their insurers will ask.
- Write down dates. A clear, honest history reassures buyers more than a blank page.
How we help
We hand you the current form early, help you gather the paperwork, and make sure the buyer receives it before anyone signs, so it never becomes a last-minute surprise.
Sources: Florida Senate, CS/CS/SB 948 (2025) bill analysis; Florida Statutes 689.302.