Is a flood disclosure required in Florida real estate transactions?
Florida Statute 689.302 requires a flood disclosure to be completed by the seller at or before contract execution for every residential sale, with the buyer acknowledging receipt. There are no exceptions. This is a mandatory requirement for Florida compliance and risk management.
Download the Easy Realty Flood Disclosure here: Download Flood Disclosure
The Easy Realty Flood Disclosure 2026 (FL) must be completed for every residential sale transaction in Florida.
This disclosure is required to be delivered to the buyer at or before the time the purchase contract is executed. It cannot be provided later and cannot be skipped. If it is missing, the transaction is not properly documented from a compliance standpoint.
The seller is responsible for completing the disclosure based on their actual knowledge of the property. This includes any known history of flooding, insurance claims, or disaster assistance. The buyer’s role is to review the disclosure and acknowledge receipt by signing it.
Agents should treat this as a required document on every listing and every purchase. It should be included early in the transaction process, not at the last minute, to avoid delays or compliance issues.
This disclosure applies to residential sales only. It is not required for leases or rental agreements.