Florida's New Flood Disclosure Law Effective October 1, 2025

Florida Statute 689.302 currently mandates flood disclosures requiring sellers to disclose to a perspective purchaser:

• Any prior flood insurance claims filed for the property.

• Any federal assistance received due to flood damage.

Starting October 1, additional requirements will apply:

• Sellers must disclose any known flood damage to the property during their ownership.

• Developers of condos must inform potential buyers or tenants of any flood damage, insurance claims, or federal assistance related to the property.

• Residential landlords must disclose known flood risks to tenants. Failure to do so may allow tenants to terminate their lease and recover prepaid rent if their personal property is substantially damaged by flooding.

• Sellers, developers, or landlords are required to give the disclosure to a perspective buyer or tenant at or before a contract or lease is signed.

These changes are intended to give homebuyers and renters a clear understanding of flood risks before moving forward with a property, and the updated form should be available around October 1st.

Note: Information deemed accurate on date of publication 7/14/25