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Florida Flood Disclosure: What Sellers Must Provide

Since October 1, 2025, Florida home sellers must disclose flood insurance claims, and federal flood aid before the contract. Here's what to gather.

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What to know

What Florida's flood disclosure requiresSince October 1, 2025, Florida sellers of residential property must give buyers a flood disclosure at or before the time the contract is signed. It…

Since October 1, 2025, Florida sellers of residential property must give buyers a flood disclosure at or before the time the contract is signed. It asks whether the seller:

  • has filed a claim with an insurance provider for flood damage to the property, and
  • has received federal assistance for flood damage, such as from FEMA.

The form also reminds buyers that standard homeowners insurance doesn't cover flooding. Use the current Florida REALTORS or attorney-approved form, and ask a real estate attorney if your situation is unusual.

What to gather before you listYour flood insurance claim history (call your insurer if unsure) Any FEMA or other federal assistance records Your flood zone and, if you have one,…
  1. Your flood insurance claim history (call your insurer if unsure)
  2. Any FEMA or other federal assistance records
  3. Your flood zone and, if you have one, the elevation certificate
  4. Repair receipts and permits for any flood or storm work
  5. Your current flood insurance premium, so buyers know the cost
Florida's other seller disclosuresKnown material defects that affect value and aren't obvious must be disclosed under Florida case law. HOA disclosure summary for homes in an HOA…
  • Known material defects that affect value and aren't obvious must be disclosed under Florida case law.
  • HOA disclosure summary for homes in an HOA community.
  • Lead-based paint disclosure for homes built before 1978 (federal).
  • Radon notice, included in standard Florida contracts.
  • CDD disclosure for homes in a Community Development District.

With Listagogo, the broker prepares your listing paperwork, disclosures, and addendums; you complete the property questionnaire and sign.

Questions, answered

When do I give the buyer the flood disclosure?At or before the time the buyer signs the contract.

At or before the time the buyer signs the contract.

Do I have to disclose flooding if I never filed a claim?The form asks specifically about insurance claims and federal assistance. Known material defects, including flood damage, must still be disclosed…

The form asks specifically about insurance claims and federal assistance. Known material defects, including flood damage, must still be disclosed under Florida law.

Does Listagogo provide the disclosure forms?Yes. The broker prepares your listing paperwork, disclosures, and addendums.

Yes. The broker prepares your listing paperwork, disclosures, and addendums.

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Updated October 2026. General information, not legal or tax advice.

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