Do Florida sellers have to disclose flooding?

What the law says

• The seller must complete and provide the flood disclosure to the buyer of residential real property at or before the time the sales contract is executed (signed).
• The form starts with a notice that homeowners' insurance policies do not cover flood damage, and encourages the buyer to talk with their insurance agent about separate flood insurance.
• The seller marks whether they know of any flooding that damaged the property while they owned it.
• The seller marks whether they filed a flood damage insurance claim on the property, including with the National Flood Insurance Program.
• The seller marks whether they received help for flood damage to the property, including from the Federal Emergency Management Agency (FEMA).
• "Flooding" in the form means water covering the property from overflowing inland or tidal waters, fast runoff from a river, stream, or drainage ditch, or long periods of standing water from rain.

“A seller must complete and provide a flood disclosure to a purchaser of residential real property at or before the time the sales contract is executed.”

689.302, Florida Statutes

Who this is for

Buying · Selling · For agents

Last checked against the official text on November 5, 2026. Laws change, and the official text always wins. This is general information, not legal advice. For your own situation, ask a Florida real estate attorney.