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. The flood disclosure must be made in the following form:FLOOD DISCLOSUREFlood Insurance: Homeowners’ insurance policies do not include coverage for damage resulting from floods. Buyer is encouraged to discuss the need to purchase separate flood insurance coverage with Buyer’s insurance agent.(1) Seller has ☐ has no ☐ knowledge of any flooding that has damaged the property during Seller’s ownership of the property.(2) Seller has ☐ has not ☐ filed a claim with an insurance provider relating to flood damage on the property, including, but not limited to, a claim with the National Flood Insurance Program.(3) Seller has ☐ has not ☐ received assistance for flood damage to the property, including, but not limited to, assistance from the Federal Emergency Management Agency.(4) For the purposes of this disclosure, the term “flooding” means a general or temporary condition of partial or complete inundation of the property caused by any of the following:(a) The overflow of inland or tidal waters.(b) The unusual and rapid accumulation of runoff or surface waters from any established water source, such as a river, stream, or drainage ditch.(c) Sustained periods of standing water resulting from rainfall.
Fla. Stat. § 689.302
Disclosure of flood risks to prospective purchaser
History.--s. 1, ch. 2024-215; s. 2, ch. 2025-166.
Official source: Online Sunshine (Florida Legislature). Reproduced from public-domain Florida statutes; confirm against the official source for the current text. Not legal advice.