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Florida flood disclosure law for home sellers and landlords

By the FloodProtection.now team · Last reviewed 14 October 2026

Florida home sellers must give buyers a written flood disclosure at or before signing the contract (s. 689.302, since October 1, 2024, expanded October 1, 2025), covering known flood damage, flood insurance claims and federal flood assistance. Since October 1, 2025, landlords must give a similar disclosure on leases of one year or more (s. 83.512); if they do not and the tenant suffers a substantial flood loss, the tenant may end the lease within 30 days.

Sellers (s. 689.302)

HB 1049 (Chapter 2024-215) created the seller flood disclosure from October 1, 2024 (Florida Senate). SB 948 (Chapter 2025-166) expanded it from October 1, 2025 (Florida Senate summary). The seller of residential property must give the "FLOOD DISCLOSURE" form at or before the contract is signed. It states that homeowners policies do not cover flood, and asks whether the seller:

"Flooding" includes tidal or inland overflow, rapid runoff and sustained standing rainwater (s. 689.302).

Landlords (s. 83.512)

From October 1, 2025, landlords must give a separate flood disclosure, at or before signing, on leases of one year or longer. It states that renters insurance does not cover flood and covers the same questions as the seller form. If the landlord does not disclose and the tenant suffers a substantial flood loss (50% or more of the value of their personal property), the tenant may terminate within 30 days and is owed a refund of prepaid rent (s. 83.512; Florida Realtors).

Why it matters for flood protection

A flood history now follows a home through every sale and long lease. Protecting a property before the next storm, with permitted flood panels for shallow water, flood vents, raised equipment or elevation, is the best way to keep that disclosure form clean. This page is general information, not legal advice.

Get a free flood protection quote. Call or text Flood Barrier Pros at (239) 810-8761, or request a quote online. Flood Barrier Pros, operated by Rubicon Flood Control in Cape Coral, installs flood panels and barriers across Southwest Florida and will tell you if your home needs something else, such as flood vents or elevation.

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Frequently asked questions

When did Florida's flood disclosure law take effect?
The seller disclosure (HB 1049, s. 689.302) took effect October 1, 2024. SB 948 expanded it and added landlord disclosures from October 1, 2025.
What must a Florida seller disclose about flooding?
Whether they know of flood damage during their ownership, whether they filed a flood insurance claim, including with the NFIP, and whether they received federal flood assistance such as FEMA aid. The form also states that homeowners insurance does not cover flood.
What can a Florida tenant do if the landlord did not disclose flooding?
For leases of a year or more, if the landlord failed to disclose and the tenant suffers a substantial flood loss (50% or more of the value of their personal property), the tenant may terminate within 30 days and is owed a refund of prepaid rent.
About this guide. FloodProtection.now publishes free flood protection guides for Southwest Florida, checked against FEMA, the National Hurricane Center, Florida law and local building departments (sources are linked in each guide). Quote requests are handled by Flood Barrier Pros, which is operated by Rubicon Flood Control; we may benefit when you request a quote. We are not a government agency and this is not insurance or legal advice.